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All information on "ACH Services". Don't see the answer to your question below? Read another topic, search for a different keyword, or get in touch.

What is the status of my ACH?
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Drafted: the payment has been created but not finalized. A drafted payment will not process. A drafted can be approved to then be sent out.

Authorized: a payment that was drafted and then approved will then have an authorized status. This payment will process.

Processed: this payment has been sent.

On Hold: this payment has been sent for additional review; you may receive a call from a bank employee to verify the payment.

What should my effective date be for an ACH?
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The best way to think of a payment's effective date is the date the funds will show in the recipient's account.

Example: You are creating a payroll file on Tuesday which you would like to credit the recipients' accounts on Friday. Friday would be the effective date.

How do I send an ACH file to an individual?
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Go to Commercial and select Payments, then click the New Payment button to access the dropdown options:

  • Select ACH single payment (or ACH single collection).
  • Choose an SEC Code, account, and effective date.
  • Click inside the search box under the recipient/account column to choose an individual from your list of saved recipients.
  • Add the dollar amount you wish to pay them.
  • Click the Approve button.

You can check the details and status of this payment by going to Transactions and selecting Online Activity.

How do I set up ACH payments for payroll?
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Go to Commercial, then select Payment, then click the New Payment button to access the dropdown options:

  • Select Payroll.
  • Choose an account and effective date; the SEC code will default to PPD for payrolls.
  • Enter the origination details, then click inside the search box under the recipient/account column to choose an individual from your list of saved recipients.
  • Add the dollar amount you wish to pay.
  • To add more recipients to this batch, click the +Add another recipient option.
  • When finished, click the Approve button.

You can check the details and status of the payment by going to Transactions and selecting Online Activity.

NOTE: You can also upload a Nacha formatted file by clicking New payment, selecting Payroll and clicking the upload from file option in the top right corner. On this page, you'll have the option to upload a .csv or .pdf file. Further instructions and file specifications are listed on the page. Once the file has been uploaded, you can click Approve to complete.

Can I send ACH payments to multiple people at the same time?
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Go to Commercial and select Payments, then click the New Payment button to access the dropdown options:

  • Select ACH batch payment.
  • Choose an SEC Code (CCD = business to business; PPD = business to individual), account, and effective date.
  • Enter the origination details, then click inside the search box under the recipient/account column to choose an individual from your list of saved recipients.
  • Add the dollar amount you wish to pay.
  • To add more recipients to the batch, click the +Add another recipient option.
  • When finished, click the Approve button.

You can check the details and status of the payment by going to Transactions and selecting Online Activity.

NOTE: You can also upload a Nacha formatted file by clicking New payment, selecting Payroll and clicking the upload from file option in the top right corner. On this page, you'll have the option to upload a .csv or .pdf file. Further instructions and file specifications are listed on the page. Once the file has been uploaded, you can click Approve to complete.

How do I send an ACH through online banking?
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Go to Commercial and select Payments. For a one-time payment, go to the New Payment button and choose the type of ACH payment you need to send. If this is an ACH you will be sending frequently, click the New Template button to save the information for future use.

Can I use ACH to initiate payments for HOA fees, rent, etc.?
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Yes! You can apply for ACH Collections.

Email Digital Banking at to request the ACH Services application. This service goes through an additional underwriting process and may take slightly longer for approval than ACH origination services. You may call the support group for help with this application at 805 880 7606 and we will be happy to assist you.

How do I pay vendors/employees/distributions/partners electronically and manage those payments online?
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ARB offers online banking with ACH services that allows you to manage and make those payments online.

Email Digital Banking at to request the ACH Services application. The application will ask the types of payments, average file amounts, and the frequency at which you would like to process those payments. You may call the support group for help with this application at 805 880 7606 and we will be happy to assist you.

How do I manage my recipients?
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You can manage, search, and edit all of your recipients' details by going to Commercial and selecting Recipients. Click the kabob icon (three vertical dots) next to any recipient and select Edit to update their information. You can also delete a recipient.

How do I add recipients for ACH payments or wires?
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Go to Commercial and select Recipients then choose New recipient. You will be prompted to choose whether these recipients are for wire payments only, ACH payments only, or for both payment types (keep in mind that some banks have different routing numbers for wires and ACHs). Be sure to focus on the information fields that have a red asterisk next to them; these fields are required. After entering the recipient's banking information and recipient details, you can click the Save recipient button at the bottom of the page.

Can my bookkeeper draft transfers/ wires/ payments, but the system require me to approve them before they're sent?
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Yes, users can draft payments and transfers for an admin to login to approve. The admin would need to make sure the bookkeeper's "draft" function is on but their "approve" function is off.

Go to Commercial and select Users then click the Edit icon for that user to open their settings. Go to Assign Rights and make sure the symbol under Approve is a circle with a line through it and the symbol under Draft is a checkmark.

Note: To draft any payments, the user must have Withdraw rights to the account.

How do I send money electronically?
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You can send money electronically a variety of ways:

  • ACH
  • Wire Transfer
  • Business Bill Pay

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