Banner Bank ACH Originator Guide

Same Day ACH Effective Date Processing: 4 In order to use the current date as the Effective Entry Date in your file, you must be setup for the Same Day ACH origination service which requires a special enrollment and entitlements. For Same Day ACH processing that can result in same day

payment and receipt, the deadlines are: Same Day Online Banking ACH Origination:

• 10:30 am. Pacific Time • 12:00 noon Pacific Time

Special Note: ACH entries submitted to Banner Bank with stale or invalid Effective Entry Dates will be settled at the earliest opportunity, which could be the same day. We recommend that you review all Effective Entry Dates before submitting your ACH file.

Note: ACH entries that are over $1M and processed with an ACH batch header using the current date, stale or invalid Effective Entry Date(s) will be received and settled on the next banking day.

Holiday Processing Schedule Banner Bank observes Federal Reserve Bank holidays as non-processing days for ACH entries. All ACH files and other online funds transfers will not be processed on days that Banner Bank is closed. In the event the requested Effective Entry Date falls on a weekend or holiday, processing will be deferred until the next available business day. The holiday schedule below lists dates that Banner Bank will be closed for ACH processing, corresponding to the dates the Federal Reserve Bank is closed. Please make note of these dates, as they may require a change to your normal ACH processing schedule.

Federal Holiday Schedule 5

Observed Holiday New Year’s Day

Official Date

January 1

Martin Luther King, Jr. Day

Third Monday in January Third Monday in February

Presidents Day Memorial Day

Last Monday in May

Juneteenth National Independence Day

June 19

5 When the holiday falls on a Sunday, it is observed on the following Monday.

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