ACH Origination

First Commerce Bank offers the ability for our customers to originate ACH files.

An ACH transaction is a batch-processed, value-dated, electronic funds transfer between an originating and a receiving bank. An ACH credit transaction is originated by the accountholder sending funds (payer), while an ACH debit transaction is originated by the accountholder receiving funds (payee).

Please click here to view NACHA’s Operating Rules and Guidelines for originating all ACH transactions.
Please click here to view First Commerce Bank’s ACH Origination Guide.