Same-Day ACH

Fast Track to Faster Payments!

Customers enrolled in the Enhanced e-Corp services will have the ability to send an ACH file the same day that you intend the funds to be paid. This may leave you wondering about a few things:

Why would I want to use Same-Day ACH?
  • Same-Day Payroll--supporting business' needs to pay employees, and provide flexibility for late and emergency payrolls such as a 'last-check' for a terminated employee and missed deadlines; and also enabling employees to have faster access to their pay in these cases.
  • Business-to-Business (B2B) Payments --enabling faster settlement of invoices along with remittance information.
  • Account-to-Account Transfers --providing faster crediting for customers that move money among various accounts they own.
  • Expedited Bill Payments -- enable customers to make bill payments on due dates and provide faster processing of late payments.
  • Collections -- collect funds as soon as possible upon the customer’s commitment to pay.
What time do I have to submit files by in order to send a payment same-day?
Noon (CST) is the deadline for Same-Day ACH.
Same-Day ACH Specifics
  • This is a premium service and will be available for a fee.*
  • Single transactions over $100,000 are EXCLUDED; a wire would need to take place for same day settlement.

For details on getting set up on First Farmers & Merchants Bank’s Same-Day ACH, please contact our Help Desk at at 866-733-3444.

*A fee will be assessed for each Same-Day ACH line item submitted for Same-Day ACH processing. For more information please call your personal business banker.