How do I initiate an ACH (Automated Clearing House) transfer from my business account?

To initiate an ACH transfer:

1. Start by creating a recipient profile.
   1. Log in to your account.
   2. Click on the Business Banking menu option and select Recipients.
   3. Click New Recipient.
      1. Payment Type is set to ACH Only.
      2. Enter the Recipient’s Account Type, Account Number, and ACH Routing Number.
      3. Enter the Recipient’s Name, Address, City, State, ZIP, and country.
      4. Optionally, enter a name and the ACH ID for the payment.
      5. Review the information and ensure it is correct, then click Save Recipient.
   4. To send an ACH:
      1. Inside online banking, click on the Business Banking menu option and select Payments from the dropdown menu.
      2. Click New Payment and select ACH payment from the dropdown.
      3. Enter the Origination Details:
         1. SEC Code – Prearranged Payment and Deposit (PPD) or Cash Concentration and Disbursement (CCD).
            1. Set the SEC Code – PPD is a person, and CCD is a company – for payroll, the system will default to PPD
         2. Originator (You).
         3. Sending Account Name or Number.
         4. Effective Date to be processed.
      4. Select the recipient or create a +New Recipient.
      5. Click Approve to process the ACH Payment.
         1. Drafted ACH payments can be viewed by clicking Transfers & Payments, then selecting Online Activity.
         2. If you want to make the transaction recurring, click on Set Schedule to set the frequency
         3. In the Recipient/Account field, click in the box and choose +New Recipient

How can I view my ACH transfer(s)? 

1. From the Home screen, choose Transfers & Payments from the menu. 
2. Click Online Activity. 
3. Click Single Transactions or Recurring Transactions, depending on the nature of your transaction. 

If I have chosen to draft an ACH transfer, how do I go back and approve it? 

1. From the Home screen, choose Transfers & Payments. 
2. Click Online Activity. 
3. Click Single Transactions or Recurring Transactions, depending on the nature of your transaction. 
4. Click on the 3 dots to the right of the individual transfer. 
5. Approve the transfer. 

How do I increase my ACH transfer limits?

1. From the Home screen, choose Services from the menu.
2. Under the Business Services section, choose ACH Application.
3. Enter the required information and complete all steps of the application.
4. The completed application will be sent directly to the ACH Credit Team for review.
5. Once Application is submitted someone from our ACH team will contact you within 48 hours.

How can I view my ACH transfer(s)? 

1. From the Home screen, choose Transfers & Payments from the menu. 
2. Click Online Activity. 
3. Click Single Transactions or Recurring Transactions, depending on the nature of your transaction. 

If I have chosen to draft an ACH transfer, how do I go back and approve it? 

1. From the Home screen, choose Transfers & Payments. 
2. Click Online Activity. 
3. Click Single Transactions or Recurring Transactions, depending on the nature of your transaction. 
4. Click on the 3 dots to the right of the individual transfer. 
5. Approve the transfer. 

How do I increase my ACH transfer limits?

1. From the Home screen, choose Services from the menu.
2. Under the Business Services section, choose ACH Application.
3. Enter the required information and complete all steps of the application.
4. The completed application will be sent directly to the ACH Credit Team for review.
5. Once Application is submitted someone from our ACH team will contact you within 48 hours.