Banner Bank ACH Originator Guide

Standing Authorizations The Rules allow Originators to obtain a Standing Authorization from a Receiver to facilitate the authorization of future entries. For instance, a Receiver who makes purchases from an Originator at inconsistent intervals and irregular dollar amounts pays for such purchases via an ACH debit. In such cases, a recurring authorization may not be sufficient due to the irregularity of the entries. A Standing Authorization allows an Originator to obtain the Receiver’s banking information used for future entries, but the Receiver has to authorize future entries, known as Subsequent entries. The key difference between Standing Authorizations and Authorizations for variable dates and amounts is that a Standing Authorization requires a Receiver to proactively authorize future entries, while a recurring authorization does not require any future action from the Receiver.

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