When logged in to Business Online Banking, select ACH under Payments & Transfers.

In ACH, select the Activity tab. The most recent ACH activity will display. The Search Activity section can be used to search specific criteria such as date, type, amount, Tax ID, description, and reference number.

In ACH, select the ACH file from the activity list, or use the Search Activity to locate the ACH file. Select the ACH file. The displayed page can be printed, or the report option can be used to export into a PDF or CSV file.

• Select New Payment to send money, and select New Collection to collect money.
• Select the ACH Type
• Select Continue
  • Enter the following information:
    • Description: this should describe the purpose of intent of the transaction (payroll, dues, accts receivable, etc). The description is displayed on your bank statement and the receiver’s bank statement (limited to 10 characters).
    • Effective Date: the date the transfer will post to the receiver’s account.
    • Same Day: select this option to process the file with today’s date. Click here for more information regarding Same Day ACH.
    • Repeat: select a frequency if the file is recurring. If it is a onetime transfer do not select a frequency. If selecting Repeat, enter the frequency and end date of transfer.
    • Tax ID Number: select the appropriate Company ID.
    • Pay from section:
      • If sending a payment: this will be the offset account
        • Select the Bank Five Nine account the funds will be debited from
        • Amount: enter the total amount of the file (total of all transactions)
      • If sending a collection: this will be your receivers information
        • Using the Pay/Hold toggle, mark each transaction to be paid or held
        • Enter the receiver’s name
        • Enter the receiver’s routing number
        • Enter the receiver’s account number
        • Select the account type
        • Enter the dollar amount
        • Using the Yes/No toggle for Prenote, select whether or not the transaction will be processed as a prenote
          • Prenote – it is recommended to send a test transaction prior to sending the first transaction to the receiver to verify account information. this will prevent any returns of actual money being debited/credited to or from the receiver. By checking the box, a $0.00 transaction will be sent to the receiver’s institution for verification prior to the effective date you choose for processing.
          • Prenotes are not required but strongly recommended
          • Should be sent three banking days before the next live transfer
          • When notification of inaccurate information is received, the customer must obtain correction information before sending live transfer
    • Pay to section:
      • ​If sending a payment: this will be your receivers information
        • Using the Pay/Hold toggle, mark each transaction to be paid or held
        • Enter the receiver’s name
        • Enter the receiver’s routing number
        • Enter the receiver’s account number
        • Select the account type
        • Enter the dollar amount
        • Using the Yes/No toggle for Prenote, select whether or not the transaction will be processed as a prenote
          • Prenote – it is recommended to send a test transaction prior to sending the first transaction to the receiver to verify account information. This will prevent any returns of actual money being debited/credited to or from the receiver. By checking the box, a $0.00 transaction will be sent to the receiver’s institution for verification prior to the effective date you choose for processing.
          • Prenotes are not required but strongly recommended
          • Should be sent three banking days before the next live transfer
          • When notification of inaccurate information is received, the customer must obtain corrected information before sending live transfer.
      • If sending a collection: this will will be the offset account
        • Select the Bank Five Nine account the funds will be debited from
        • Amount: enter the total amount of the file (total of all transactions)
    • Select Complete ACH

An ACH transfer can be submitted using a saved template. In the Payments & Transfers section, select ACH, then the Templates tab. Select Send next to the template name.

Enter the following information:

• Effective Date: the date the transfer will post to the receiver’s account
• Same Day: select this option if you would like to process the file with today’s date. Click here for more information regarding Same Day ACH.
• Company Description: enter description that describes the purpose or intent of the transaction (example, payroll). The maximum number of characters is 10.
• Pay from section: ​
  • If sending a payment: this will be the offset account
    • Select the Bank Five Nine account the funds will be debited from
    • Amount: enter the total amount of the file (total of all transactions)
  • If sending a collection: this will be your receivers information
    • Using the Pay/Hold toggle, mark each transaction to be paid or held
    • Enter the dollar amount of each transaction
    • Using the Yes/No toggle for Prenote, select wither or not the transaction will be processed as a prenote
  • ​Pay to section:
    • If sending a payment: this will be your receivers information
      • Using the Pay/Hold toggle. mark each transaction to be paid or held
      • Enter the dollar amount of each transaction
      • Using the Yes/No toggle for Prenote, select whether or not the transaction will be processed as a prenote
    • If sending a collection: this will be the offset account
      • Select the Bank Five Nine account the funds will be debited from
      • Amount: enter the total amount of the file (total of all transactions)
  • Select Complete ACH

If an ACH transfer has not been processed, you can delete the Pending or Saved files.

• Select Payments & Transfers
• Select ACH
• Select Delete
• Select Delete ACH at the bottom of the page

If you are setup with dual-control, the approver can review and approve or disapprove an ACH file. You can approve/disapprove a file from two locations.

• From the Payments & Transfers section
  • Select Payments & Transfers
  • Select ACH
  • Select Approve or Disapprove after you have reviewed the details of the transfer
• On the Business Online Banking homepage in the Review Transfers (ACH Transfers) section
  • Select the Description name hyperlink to view the details of the ACH Transfer or Template
  • Select Approve or Disapprove after you have reviewed the details of the transfer

To create a new ACH Transfer Template:

• Select Payments & Transfers
• Select ACH
• Select Templates
• Select New Payment Template or New Collection Template
• Select the Type of ACH file and then Continue
• Complete the template
• Select Save

To import a NACHA file, simply access ACH Manager in one of two ways:

• Select ACH under Payments & Transfers
• Select Import File
• Browse out to find your NACHA ready file
• Select the appropriate Company EIN if applicable
• Select the Transfer Type – Payment (payroll, accts payable, tax payments) is a Credit (you are sending money to the receiver) and a Collection (dues, rent, accts receivable) is a Debit (you are pulling money from the customer).
• Select Continue
• Verify the file and enter the Effective Date
• Verify offset account has been added with the balanced dollar amount
• Select Complete ACH to process file

Select the ACH Import from the widget on the homepage:

• Select the Transfer Type – Payment (payroll, accts payable, tax payments) is a Credit (you are sending money to the receiver) and a Collection (dues, rent, accts receivable) is a Debit (you are pulling money form the customer).
• Browse to find your NACHA ready file
• Select Preview ACH
• Select Complete ACH to process file

As the Originator, Bank Five Nine statement will include:

• First 15 characters of ACH company name
• First 10 characters of the transfer description
• Please note – if the Description hyperlink was selected after each ACH transaction, the entire description entered will override the items above

As the Receiver, customer’s statement will include:

• First 15 characters of ACH company name
• First 10 characters of the transfer description
• Individual or Company ID, if applicable
• Please note – if the Description hyperlink was selected after each ACH transaction, the entire description entered will override the items above

To reverse a file that has already been processed, please follow the Reversals Instructions.