All locations are closed on Friday, July 4, in observance of Independence Day.
Online and mobile banking are available 24/7. Have a safe and fun holiday!
Please review the resources below and reach out with any questions.
Monday - Friday, 4:45 PM, CST
The first cut off time for same-day ACH Files is 9 AM, with a final same-day cut off time of 1:15 PM.
Wednesday, Jan. 1, 2025
Monday, Jan. 20, 2025
Monday, Feb. 17, 2025
Monday, May 26, 2025
Thursday, June 19, 2025
Friday, July 4, 2025
Monday, Sept. 1, 2025
Monday, Oct. 13, 2025
Tuesday, Nov. 11, 2025
Thursday, Nov. 27, 2025
Wednesday, Dec. 24, 2025
*closing early at 2 P.M.
Thursday, Dec. 25, 2025
Create an ACH Payment Template
Uploading a Non-NACHA or NACHA ACH File
Please contact Treasury Support for assistance to temporarily raise your approved daily limit.
To stop your ACH transaction, please call Treasury Support as soon as you realize you need to cancel it. We may or may not be able to stop the transaction from processing. If it is after hours, please leave a voice message, and we will get back to you the next business day.
A valid authorization must be obtained before transmitting an electronic entry to a receiver (customer, employee, etc.), and a copy of the authorization kept on file for two years from the termination or revocation of the authorization.
Any entry returned as R07-Authorization Revoked, R08-Stop Pay, R10-Customer Advises Not Authorized, or R29-Unauthorized Corporate, may only be reinitiated if the Originator has received appropriate authorization from the Receiver to reinitiate the payment.
You have six banking days, or prior to initiating the next entry, to correct Notification of Change (NOC) entries and Returns. Substantial penalties and revocation of ACH Origination privileges can apply for non-compliance.
If pre-notifications are originated prior to sending the live monetary transaction, the monetary transaction may be initiated as soon as the third banking day following the settlement date of the prenotification Entry.
A returned pre-note transaction from a receiving financial institution must not be sent for processing until the information has been re-verified with the receiver. An updated authorization form must be acquired before processing.
The effective entry date is the day the transaction is posted to the receiver’s account. Typically, files are dated the next business day for debits or two business days for credits. ACH files may be sent up to 30 days prior to the effective entry date.
For transactions that qualify as same-day transactions, click the checkbox for Same Day. The Effective entry date will change to the soonest date the file can be processed. Please note: SNB Treasury Operations must be notified to process a same-day transaction. Contact us for additional information on submitting same-day transactions.
ACH Authorization Form - Corporate Debit
ACH Authorization Form - Corporate Credit
ACH Authorization Form - Consumer Debit
ACH Authorization Form - Consumer Credit
ACH Authorization Form - Consumer Credit Multiple
NACHA Operating Rules - New Rules
Payments Insider Fourth Quarter 2024
Payments Insider Third Quarter 2024
Payments Insider Second Quarter 2024
Payments Insider First Quarter 2024
NACHA Rules state that an Originator must establish, implement, and update, as appropriate, policies, procedures, and systems with respect to the initiation, processing and storage of Entries that are designed to:
*The non-public personal information, including financial information, of a natural person used to create, or contained within, an Entry and any related Addenda Record.
EPCOR Business Email Compromise
EPCOR ACH Security Framework Checklist
Better Business Bureau - Data Privacy For Small Businesses
Federal Communication Commission - Small Biz Cyber Planner