ACH Management

Upcoming ACH Changes for 2020

As of March 20, 2020 the dollar limit for Same Day ACH will increase to from $25,000.00 to $100,000.00.  Currently if you process a Same Day ACH file no items within that file can be over $25,000.00.

As of June 30, 2020 Originators with an annual ACH volume greater than 6 million in 2019 must:

  • Protect the confidentiality and integrity of Protected Information (non-public personal information, including financial information) used to create, or contained within, an entry and any related Addenda Record;
  • Ensure Protected Information is protected against anticipated threats (e.g. data breaches); and
  • Protect against unauthorized use of Protected Information (e.g. fraudulent activity) that could result in substantial harm to a person.

2019 ACH Changes

As of September 20, 2019 any Same Day ACH files received by the 8:00 a.m. deadline and received by the Federal Reserve Bank by 8:30 a.m. must be made available for withdrawal by the Receiving Financial Institute by 1:30 local time.

Any Same Day ACH files received between 8:00 a.m and the noon deadline and received by the Federal Reserve by 12:45 p.m. must be made available for withdrawal by the Receiving Bank by 5:00 p.m. local time.


File Verification:

                The bank requires the ACH Originator to provide verification of their file.  The verification needs show dollar amount, file name, effective date, and be signed by an Authorized ACH Signer.  If you send an email verifying the above information please make sure that you sign the email and that the email is sent from an email listed on our system.

                If the bank has not received your verification by 5:00 p.m. we can’t process your ACH file. 

If you have physical tokens, make sure that when employees leave that they turn in their token to you.  That token will need to be used for the next employee.  Replacement tokens can be provided by the bank at a cost of $12.00 per physical token.   The bank will provide the first three physical tokens to your business for free.  If you need more than 3 physical tokens the bank will provide them at a cost of $12.00 per physical token.  Virtual tokens are provided at no cost.

It is the responsibility of the Cash Management administrator to delete users when needed and to add new users.  Please call the bank with any questions or with assistance adding or deleting users.





Steamboat Springs Curve Plaza - 970-870-6550
Steamboat Spring Wildhorse - 970-870-9990
Meeker - 970-878-0103
Walden - 970-723-8221
Hayden - 970-276-9099
24hr Telebanking - 877-275-2088




Effective July 1, 2020 our Funds Availability policy will be changed to the following: We are increasing the amount we make immediately available for withdrawal by checks not subject to same day availability from $200 to $225. In addition, the amount available for withdrawal on the second business day after the day of your deposit for large deposits, will increase from $5,000 to $5,525.