We make it easy to send an ACH payment to your employees, contractors and vendors. You must first be enrolled to send ACH payments from your business account. See: How do I enroll for small business ACH payments?

To send an ACH payment using digital banking

1. Online banking: Select Transfers & pay at the top of the page, then choose External transfers, wires, & ACH.
   Mobile banking: Select Pay bills & transfer, then choose External transfers, wires & ACH.
2. Select Send payment.
   • Online banking users will find it within the “ACH payments” section.
   • Mobile banking users will find it within the “Send an ACH payment” section.
3. Enter the recipient’s information or select a saved recipient from the dropdown, then select Continue.
   • We’ll need the recipient’s name and their account and routing numbers. Tell us if the provided account is a checking or savings account and if the payment is going to an individual or business account.
   • A saved recipient can only be selected if they were added to your list of recipients prior to sending a payment.  
     • To save a recipient, see also: How do I manage my business ACH payment recipient list?
4. Provide your payment details, then select Continue.
   • Choose the account you're sending money from and change the date (if you don't want it sent the same day).
   • Optional: Add a memo of your choice.
5. Enter how much you're sending and select Continue.
   • Choose Change recipient info to make changes before proceeding further.
   • To find out how much you can transfer, select How much can I send? below the total amount.
6. Review the information, then select Submit.
   • If your business has multiple owners, we'll send an approval email at this time.
   • If any information is incorrect, select Edit next to the section that needs a change.
   • Read the “ACH payment authorization disclosure” and note the processing fee. If you agree, select the check box next to "I agree to the ACH payment authorization".

More information

• If your business has multiple owners, at least two of them need to be enrolled in digital banking to send an ACH payment. 
• Secondary approval is required when businesses have more than one owner so there's visibility of the payment for all account owners.
• If you initiate the ACH payment as an owner, then only one additional owner approval is needed. 
• To grant approval, the co-owner must log into their business profile. See also: How do I grant secondary approval for small business ACH payments?
• You must have a registered cellular device on file for at least three business days to use this service. See also: How do I establish a registered cellular device on my profile?
• Approval must be completed by 8 p.m. CT for same day payments, and within three business days for future-dated payments.