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ACH Payments

Every day, businesses in the Twin Cities and beyond send and receive countless paper checks. ACH Services provide a secure, efficient alternative to paper checks—helping your business move money electronically with greater control, lower costs, and fewer manual steps.


ACH Services that improve everyday efficiency.

 
ACH Origination allows your business to control when funds move into or out of your account, instead of waiting for mail delivery or check clearing. Payments are processed electronically, reducing handling, improving accuracy, and giving you better timing and visibility into cash activity.
 
With ACH, payments are faster than checks, less expensive to process, and easier to manage—freeing up staff time for higher value work.

What Can You Do with ACH Origination?


  • Easily send electronic transactions, including process payroll direct deposit, make vendor payments, pay insurance or taxes, accept charitable giving, and more
  • Receive electronic payments from customers and clients, eliminating check-processing time and costs
  • Schedule one-time or recurring outgoing payments
  • Increase accuracy by reducing human error
  • Review the up-to-date record of transactions through Online Banking or bank statements
  • Upload NACHA files or use payment templates to simplify transactions and reduce manual entry
  • Include invoice or remittance information with payments to improve reconciliation.


Built-In Controls for Added Security

ACH Origination offers stronger internal controls than paper checks.
 
  • Dual control options allow one user to create ACH files and another to approve them.
  • Secure access through Online Banking helps protect payment activity.
  • Electronic records support auditability and easier tracking.
  • These controls help safeguard your account and reduce fraud risk while maintaining efficient payment processing.
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Additional Features Available
 
  • ACH Filter: Allows businesses to set up custom filters for specific ACH originators or to block unauthorized ACH debits.
  • Preauthorized Debits: Electronically collect your accounts receivable payments utilizing ACH for faster, more secure receivables processing.















































We provide business banking, personal banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.