Banner Bank ACH Originator Guide

About the ACH Originator Guide The Automated Clearing House (ACH) Network is at the center of commerce in the U.S., moving money and information from one Financial Institution to another through recurring and single entry credit and debit Entries for government, consumer, and business-to-business payments. The ACH Network is one of the world’s largest, safest, and most reliable payment systems, creating value and enabling innovation for all participants. As an ACH Originator with Banner Bank, your organization must follow all Nacha Operating Rules and Guidelines (“the Rules”) when creating, submitting, and processing ACH Entries and files. The Rules are established by Nacha, an organization that manages the development, administration, and governance of the ACH Network. The Rules include the ACH Network’s legal framework and each participant’s basic obligations. This ACH Originator Guide provides an overview of your role and responsibilities as an ACH Originator. It is designed to serve as a guide to help your organization understand essential industry rules related to originating ACH entries. Although this material covers various important topics, it is not a replacement or substitute for the Rules. 1 To ensure compliance with current regulations, all ACH Originators must stay abreast of the Rules, including periodic changes .

Questions/Support

Upon review of the ACH Originator Guide, we encourage you to contact our Treasury Management Support team with any questions or concerns you may have at 1-877-856-7933, or via email at treasurymanagement@bannerbank.com.

Hours: 7:00 a.m. to 6:00 p.m. PT Monday – Friday.

1 Nacha owns the copyright for the Nacha Operating Rules and Guidelines. Additional information can be found at www.nachaoperatingrulesonline.org or may be purchased through www.wespay.org.

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