Business Online & Mobile Banking - ACH

ACH^* 

Accessing ACH Services

Access your ACH services by taking the following steps:

1. Log in to business online banking by clicking Login from the top right of any page on alpinebank.com.
   
   
2. Enter your username and password and select Sign In.
   
   
3. From the menu options on the left side, select ACH from the Payments dropdown.
   
   

{beginAccordion}

Creating an ACH Batch - Manual Entry

If you only have one transaction in your ACH batch, entering it manually might be a good option. Complete the following steps to enter ACH transactions manually:

1. From the ACH screen, select Create ACH.
   
   
2. Enter a batch name and select the ACH Company from the Select company option.
   
   
3. Add a single or multiple ACH recipient by selecting Add recipients and then selecting Add manually.
   
   
4. Input the recipient’s information, select + Add another recipient to add additional recipients, and select Save recipients once all information has been entered.
   
   
5. Verify the information on the Create ACH screen and select Create batch.
   
   
6. Your new batch will be listed on the ACH screen in a Ready status. 

Creating an ACH Batch - Nacha File Upload

Nacha files are created using accounting software and may be uploaded and initiated through business online banking, using the steps below.

1. From the ACH screen, select Upload ACH.
   
   
2. Drag and drop your Nacha file into the upload window or select Browse and locate your file to upload; then select Upload.
   
   
3. The upload screen will display a confirmation message, and you will see the file under Recent uploads. The file will show the status of Done when the upload is complete. 
   
   
4. Your new batch will be listed on the ACH screen in a Ready status. 

Creating an ACH Batch - CSV File Upload

CSV files are created from your accounting software, or in Excel, and saved in a CSV (Comma delimited) format.

1. The Excel spreadsheet should include vital information in separate columns. For example, the recipient’s name, their account and routing number, the amount of the transaction, the type of account they have (For example: D for Deposit/Checking accounts or S for Savings accounts), if you are debiting or crediting the recipient, and their ID number (optional).
   
   
2. To save the spreadsheet as a CSV file, go to File, then Save As. Name the file and use the Save as type drop-down menu to select CSV (Comma Delimited), then select Save.
   
   
3. Before you can upload a CSV file, it is important to make sure that the import layout matches the columns in the CSV file. Select Set import layouts from the ACH screen to complete this.
   
   
4. Within the File layouts screen, match the column numbers in the Excel spreadsheet with each type of information. (For example: Column A=1, Column B=2, Column C=3, etc.) Once you have matched the CSV file layout to your file, click Save.
   
   NOTE: If you do not have transaction codes in your file, enter the account type and transaction type. You must then enter the corresponding abbreviation. For example: Checking=D, Debit=DR.
   
   
5. After you have set your import layout, return to the ACH screen and select Create ACH.

6. Enter a batch name and select the ACH Company from the Select company option.

7. Import your CSV file by selecting Add recipients and then selecting Import from file.
   
   
8. Select CSV from the File type dropdown and then drag and drop your CSV file into the upload window or select Browse and locate your file to upload; then select Save.
   
   
9. Verify the information on the Create ACH screen and select Create batch.

10. Your new batch will be listed on the ACH screen in a Ready status. 

Initiating an ACH Batch

1. To initiate a single batch, select it from the list on the ACH screen and then select Review and initiate. 

2. Select the Offset account, the Frequency, and the Effective date for the batch and then select Initiate. 

3. To initiate multiple batches at one time, select the bulk actions icon and checkmark each batch to be initiated and then select Initiate. 

4. Enter the Effective date and Offset account for each batch and then select Initiate.
   
   NOTE: If your ACH Origination service is set up with Dual Custody, a second Authorized User must Initiate the batch or batches that you created by following the same steps above.
   
   NOTE: The effective date must be at least two business days* in advance for credits and one business day* in advance for debits.

Instructional How-To Video

{endAccordion}

* ACH services are intended for business customers only, require additional agreements, and are subject to underwriting and approval. ACH processing is subject to bank business days: Monday through Friday, excluding federal holidays, and cut-off time requirements. Certain transaction fees and limitations apply. Please refer to the product enrollment form and the terms and conditions.