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Get A Quick Answer

ACH User Information

Automated Clearing House (ACH) is a network used for electronic payments and money transfers. It's a way to move money between banks without using paper checks, wire transfers, credit card networks, or cash. Find information regarding your ACH service here!

 

ACH Transaction Flow

 

ach-transaction-flow-icons_bfn.png

 

ACH Submission Timeframe:

Traditional ACH (future effective date): Picked up and processed at 7am, 12pm and 4:30pm CST for next day processing

Same Day ACH (same day effective date): Picked up and processed at 7am and 11:45am CST for same day processing

2021 Federal Holidays:
  • New Year's Day - January 1
  • Martin Luther King Jr. Day - January 18
  • Presidents Day - February 15
  • Memorial Day - May 31
  • Independence Day - July 4 (for holidays falling on Sunday, all Federal Reserve Banks and Bank Five Nine will be closed the following Monday)
  • Labor Day - September 6
  • Columbus Day - October 11
  • Veterans Day - November 11
  • Thanksgiving Day - November 25
  • Christmas Day - December 25 (for holidays falling on a Saturday, Federal Reserve Banks and Bank Five Nine will be open the preceding Friday)

Contact Operations Support

ACH Return Reference Guide

NOC Reference Guide

Glossary of ACH Terms

ACH Authorization Requirements

Reinitiating Returned Items

Same Day ACH

ACH Origination Quick Reference Guide

Reversals

ACH Manager FAQs

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