ACH Rules

ACH Processing Schedule

ACH Cut-off Time

Monday - Friday, 4:45 PM, CST

Same-Day ACH File

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.

2026 Federal Reserve Holiday Schedule

Memorial Day

Monday, May 25, 2026

Juneteenth

Friday, June 19, 2026

Independence Day

Saturday, July, 4, 2026
*Business as usual.

Labor Day

Monday, September 7, 2026

Columbus Day

Monday, October 12, 2026

Veterans Day

Tuesday, Nov. 11, 2025

Thanksgiving

Thursday, November 26, 2026

Christmas Eve

Thursday, December 24, 2026
*Closing early at 2 PM.

Christmas 

Friday, December 25, 2026

ACH Origination Guides

ACH Origination 

Create an ACH Payment

Create an ACH Payment Template

Uploading a Non-NACHA or NACHA ACH File

Recipient Management 

ACH Origination Import File

Mapping a Custom ACH Import File

FAQs

I am getting a warning message that I exceeded my daily limit, what do I need to do?

Please contact Treasury Support for assistance to temporarily raise your approved daily limit.

How do I stop a transaction from processing that I have submitted?

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.

I want to reverse an entry I recently submitted, what do I need to do?

• If a transaction or file originated in error, it is possible to originate a reversing entry. The following guidelines must be followed when submitting reversing entries:
  • Transmit the file within 24 hours of discovering the error or initiate the reversing file within five (5) banking days from the settlement date of the original entry.
  • Place the word “REVERSAL” in the Company Entry Description field.
  • Initiate a correcting file with the reversing entry unless other means of payment have been made.
  • The reversing entry must be the same dollar amount as the original entry.
• Additional Considerations for reversing entries:
  • The Receiving bank is not obligated to honor a reversing entry.
  • You must make a reasonable attempt to notify the Receiver of the reason for the reversing entry before the settlement day of the reversing entry.

What do I do if an entry I originated is returned?

• For insufficient or uncollected funds return entries, the entry can only be reinitiated two additional times following the return of the original item. For items returned as stop payment, you must obtain a new authorization from the receiver to reinitiate the transaction.
• Additional Considerations for reinitiating entries:
  • NACHA ACH Rules require that any transaction being reinitiated must contain identical content as the original transaction. To assist with identifying the transaction, the entry description field should be changed to “RETRY PYMT”. The entry description field is located in the NACHA specifications within the file or in the company description field when you open your file in online banking. Keep in mind that when reinitiating a transaction, NACHA Rules only allow reinitiating of transactions that are being returned as R01 (NSF) and R09 (Uncollected). Additionally, an R08 (Stop Payment) may be reinitiated, but only if a new authorization is obtained from the person or company receiving the transaction.
  • NACHA Rules allow that a return fee can be collected for a returned ACH transaction if the fee is disclosed before originating the original transaction. All fees must be originated as a separate transaction from the original or any subsequent transactions. i.e., RETURN FEE must be included in the entry description and the SEC code PPD or a relevant business SEC code must be used. If you decide to collect a return fee, it is recommended to contact us before submitting a return fee transaction for the first time.

Common ACH Rules and Operating Guidelines

Authorizations

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.

Unauthorized Returns

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.

Notification of Changes

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.

Pre-notes

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.

Returned Pre-note

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.

Micro Entries

• A credit or debit Entry used for the purpose of verifying a Receiver’s account or an individual’s access to an account.
  • Credit Micro-Entries must be in an amount of less than $1.00.
  • The total dollar amount of the debits and credits for the entries must offset when posted to the Receiver’s account.
  • Micro-entries will require the use of “ACCTVERIFY” in the Company Entry Description field.
  • Micro-entry offsets must post on the same effective entry date to a Receiver’s account.
  • After verifying receipt of Micro-Entries the Originator may then initiate a live entry.
  • An Originator may not originate a future entry at the same time with Micro-Entries.
  • Originators will be required to utilize commercially reasonable fraud detection on its use of Micro-Entries, including monitoring of forward and return volumes for Micro-Entries.

ACH Transaction Types

• PPD – Can be either credit or debit entries and represent either single or recurring payments. PPD transactions are more widely known as Direct Deposit and Direct Payment. The Direct Deposit application provides the ability to disburse funds to consumer accounts. The Direct Payment application provides the ability to collect funds from consumer accounts. This is the best application for payroll.
• CCD – This application provides a way for companies to receive cash rapidly, manage funds and control cash disbursements. Companies that operate several branches or sales outlets may consolidate funds quickly and eliminate the difficulties associated with transferring funds to a central corporate account. The CCD application can also be used to transfer funds among corporate entities in payment of goods or services and can support a limited amount of payment-related data (invoice number, discounts taken, purchase order number, etc.) with the funds transfer.
• CTX – This application provides the ability to collect and disburse funds and information between companies. Generally, it is used by businesses paying one another for goods or services. These payments replace checks with an electronic process of debiting and crediting invoices between the financial institutions of participating companies.

Dating Your File

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.

Same Day Transactions

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 Tools, Security Framework, Fraud Monitoring and Cybersecurity Resources

ACH Forms

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 Rules Updates

NACHA Operating Rules - New Rules

NACHA Rules Supplement 1-2022

NACHA Rules Supplement 1-2021

NACHA Rules Supplement 2-2021

EPCOR Publications

EPCOR Corporate Resources

Payments Insider First Quarter 2026

Payments Insider Fourth Quarter 2025

Payments Insider Third Quarter 2025

Payments Insider Second Quarter 2025

Payments Insider First Quarter 2025

ACH Security Framework and Fraud Monitoring

NACHA (the organization that sets the ACH rules) requires businesses that send ACH payments to have reasonable security and fraud-monitoring practices in place. The goal is simple: protect sensitive information and reduce the risk of fraud.

• Protecting Sensitive Information — Businesses that originate ACH transactions must have policies, procedures, and systems designed to safeguard ACH data. This means ACH information should be treated as confidential and protected at all times.

  • Limit access to ACH systems to only those employees who need it

  • Protect sensitive customer and employee information while it is being used, stored and until it is properly destroyed

  • Have safeguards in place to prevent unauthorized access or misuse of ACH information that could cause financial harm

• Monitoring ACH Activity for Fraud — In addition to security controls, NACHA requires ACH originators to monitor their ACH transactions for signs of fraud. This monitoring should be based on your company’s risk and normal activity. Regular reviews help establish what “normal” looks like, making unusual activity easier to spot.

Examples of ACH activity that should receive extra attention include:

• Payments that are larger than usual or outside your normal patterns

• New vendors or payees, or vendors that are used infrequently

• Payroll transactions that occur outside your normal payroll schedule

• ​Changes to employee or vendor bank account information, which should be verified independently

Why This Matters — These requirements are designed to reduce the likelihood of successful fraud and help protect your business, your employees, and your vendors from financial loss.

Security and Fraud Resources

Business Best Practices

EPCOR Business Email Compromise

EPCOR ACH Security Framework Checklist

Better Business Bureau - Data Privacy For Small Businesses

Federal Communication Commission - Small Biz Cyber Planner

ACH Operations Bulletin 1-2017 Social Engineering Fraud

NACHA - Fraud Monitoring