ACH Origination

The cutoff time to transmit ACH is 4:30PM each business day.

If you initiate ACH Credits:

ConnectOne Bank requires one-to-two days pre-funding for credit batches. Funds must be available in your account before transmitting your batch.

For example, if you need to send an ACH Credit batch for payroll on Friday, you must transmit the batch by Wednesday.

If you use a third-party service provider or software to prepare your ACH files you will need to ensure that all batches are sent unbalanced and update your ACH ID for credit files. To avoid processing delays, it is important to have available funds in your settlement account to cover the debit prior to submitting the batch. If funds are not available in the settlement account, the batch will not process.

To support pre-funding we will provide you with an ACH ID to be used with your credit batches. One of our bankers will contact you and provide you with your new ACH ID. If you have any questions, please contact your local banker.

Please notify your third-party service provider or make sure the appropriate changes to your software to issue batches using the new ID.