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Automated Clearing House

UMB continues to be one of the top 25 Automated Clearing House (ACH) originating institutions in the United States. Our treasury management professionals possess the knowledge and experience necessary to help you understand which ACH payment applications can save you the most money, time and effort.

How It Works

The ACH network is a nationwide electronic batch processing system. In order to access this network, a company must send transfer instructions in a standard format to its originating bank, which then passes them to the network that will effect settlement on a future date.

ACH can be used to disburse funds such as direct deposit of payroll, expense reimbursement, royalty payments or any other recurring disbursements. ACH can also be used to debit your clients' accounts or concentrate funds from your other bank accounts.

UMB offers several methods of originating ACH transfer instructions. Depending upon your company's resources, you can either utilize your own software to create a NACHA formatted file, have a payroll service create a direct deposit file, or use UMB Direct®, our online portal. Once an authorized company representative has verified the file totals, we will release it to the ACH network to await funds settlement.

Automated Clearing House Features

  • More control over funds movement and settlement.
  • Transactions can be easily tracked throughout the life of the settlement.
  • Any size company can take advantage of ACH payments through the use of our online portal, UMB Direct.
  • Electronic transactions are readily accepted by consumers and companies.
  • Transactions can be initiated for repetitive or one-time consumer or corporate payments, federal and state tax payments.
  • Same Day ACH.


  • The ACH network offers a low-cost mechanism to effect funds settlement for any kind of payment.
  • Reduction of disbursement costs – associated with processing paper checks and remittance documents.
  • Each transaction is guaranteed to be easily tracked and never lost.
  • ACH services are subject to credit approval.


NACHA Rules Change

  • Third-Party Sender Registration - Effective September 29, 2017
    • This rule will require Originating Depository Financial Institutions (ODFIs) to identify and register their third-party sender customers. The registration process will promote consistent customer due diligence among all ODFIs, and support NACHA's continuing efforts to maintain quality within the ACH Network. For more information about this rule change, contact your account representative or visit NACHA's website‡.
  • Same Day ACH – Effective September 23, 2016 and beyond.
  • Unauthorized Entry Fee – Effective October 3, 2016, pertaining to entries originated on or after August 1, 2016
    • Effective October 3, 2016, NACHA is implementing an unauthorized entry fee rule change that applies to ACH debit transactions labeled and returned as unauthorized by the receiver. A fee of $4.50 will be charged to the financial institution that originated the ACH transaction and passed to the financial institution receiving the ACH transaction. Related NACHA fees charged to UMB will be passed on to accounts using this service. Unauthorized reason codes include R05, R07, R10, R29 and R51. For more information about this rule change and fee, contact your account representative or visit NACHA’s website‡.


Questions? Contact us for additional information about our ACH services.


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UMB ACH Filter and Block Services

ACH Block and Filter Services

Enhance your company's fraud protection safeguards with UMB ACH Filter.