Iowa's Trusted ACH Solution
FSB's ACH Services simplify how your business sends and receives payments. Payroll, vendor payments, and customer collections are all managed through Business Online Banking using a template-based workflow, create a batch template once and reuse it every run.
Reduced Transaction Costs
Electronic payments cost less than paper checks. ACH reduces printing, postage, and manual processing time.
Faster Payment Times
Files submitted by 2 p.m. can settle as early as the next business day. Same-day ACH is also available.
Automated Record-Keeping
Transaction history, batch status, and participant records are stored and searchable directly in online banking.
ACH Submission and Call-In Requirements
Once your file is ready, submit it through the ACH tab in Business Online Banking. Depending on the number of files and your dual-control setup, a verification call to the eCommerce Department may be required before FSB can process the file.
| Dual Control | File Amount | Verification Call Required |
|---|---|---|
| No | $0 – $200,000 | No |
| No | $200,000.01 and above | Yes |
| Yes | $0 – $500,000 | No |
| Yes | $500,000.01 and above | Yes |
Verify debit files by 2 p.m. the day before settlement. Verify credit files two days before settlement. Contact the eCommerce Department at 319-730-6962 to verify a file.
Frequently Asked Questions
How do I access ACH Services?
+Log in to Business Online Banking and click the ACH tab in the top navigation. From there you can access ACH Participants, your templates, one-time payments, activity, and history. Contact Kallie Herink at 319-730-6958 to get ACH access added to your account.
What is required before I can send an ACH file?
+You need an ACH Authorization signed by each recipient before their first payment. FSB provides a template for this. Once authorized, add the recipient as an ACH participant and include them in a batch template. Contact Kallie Herink to begin the ACH setup process.
How quickly are ACH funds processed?
+Files submitted and verified by 2 p.m. can settle as early as the next business day. Same-day ACH is also available, contact the eCommerce Department at 319-730-6962 for details. Bank holidays affect processing times. Review the ACH Holiday Schedule before submitting files around holidays.
What replaced the copy-paste feature?
+The updated platform uses saved templates instead of copy-paste. Create a template once with your participants and amounts, then reuse it each time you run that batch. Templates carry over and can be scheduled to run automatically on a recurring basis.
What does ACH cost?
+FSB's ACH Services have a monthly fee of $30 plus $0.10 per item, subject to approval. Contact Kallie Herink for current pricing and to discuss your business's transaction volume.
Your Treasury Management Contact
Questions about ACH setup, templates, or call-in requirements? Reach out to Kallie directly.
Kallie works directly with business customers on ACH authorization setup, participant configuration, and ongoing support for batch processing. She can also connect you with the eCommerce Department for file verification questions.
Ready to simplify payroll and vendor payments?
Request ACH ServicesACH Services Disclosures
Accounts and services subject to approval. Monthly and per-service fees plus applicable sales tax may apply. Certain services may be subject to account analysis. Trademarks property of respective owners.
Additional terms and conditions apply. Contact FSB for more information.
Additional terms and conditions apply. Contact FSB for more information.
ACH Positive Pay
Protect yourself against ACH fraud with Positive Pay, allowing you to make real-time decisions for your transaction processing.
