Important Information

Same-Day ACH Payments:

Effective September 15, 2017, the Federal Reserve will start processing same-day ACH (Automated clearing House) payments. This is an option that allows funds to move more quickly than in the past.  Retailers can opt to convert the checks you write into an ACH transaction by using the same system that is used for bill payments.  For example, if you pay your utility bill by telephone in the morning, the funds could be cleared from your account before 5:00 pm that day.  Scheduled payments via websites, telephone or mobile apps where you provide an account number could also be affected by this change.

To be prepared be sure:

  • You check your balances prior to making a payment to avoid overdraft charges.
  • You have sufficient funds in your account as the transaction could potentially be processed immediately.
  • You keep your account balance at a level that supports your spending habits.

If you have any questions, please contact any of our Personal Bankers at 603-332-2610 x 291.