What's Changing for ACH

  • ACH transactions will originate using FNBO routing information at conversion.
  • Cutoff times and processing windows will differ from CCB.
  • Enhancements such as same‑day ACH access and updated funding methods will apply.

Routing Number Use

  • Starting September 14, 2026, ACH transactions will originate from FNBO’s primary routing number 104000016.
  • ACH transactions using CCB’s primary routing number 101001306 will continue to be processed.
  • ACH transactions using routing numbers other than FNBO or CCB's primary routing numbers may not be processed.

Cut Off Times (CT)

ACH TypeCutoff Time
Next-day ACH7:00 p.m.
Same-day ACH1:30 p.m.
  • NEW: Same‑day ACH origination will be available to all users.
  • Same‑day ACH fees may apply.

All cutoff times are listed in Central Time (CT)

Access & Permissions

  • Dual control is a standard fraud‑prevention feature at FNBO.
  • Access to originate and/or approve ACH transactions is established by your online administrators.
  • NEW: ACH import functionality will be available for all customers.
  • NEW: ACH reversals access will be available online.

Company IDs

  • Some customers may receive a new Company ID to align with FNBO requirements.
  • Customers affected by this change will be contacted directly with next steps.

File Imports
(NACHA & User-Defined)

  • NACHA and user‑defined file import options will be available for all ACH originators.
  • Allow additional time for your first file upload to confirm successful processing following conversion.

Master Recipient List

Business Connect offers a Master Recipient List, a centralized list of ACH and wire recipients that allows users to create, edit, and manage recipient information in one location.

Funding Method:
Prefunding to Pledge

  • Customers previously using prefunding at CCB will transition to FNBO’s pledge method.
  • Funds will remain in the account and continue to earn interest; pledged amounts will be unavailable for use.
  • Funds remain on hold until the effective settlement date.

Email Notifications

  • Customers may enroll to receive ACH return and/or file acknowledgment emails by contacting their Treasury Sales Representative.
  • Notifications are sent based on ACH processing dates.

Alerts

  • ACH alerts must be re‑established by each individual user within Business Connect.

Resource Library

Need help with ACH Payments

Your Treasury Sales Representative can assist with access, enrollment questions, and ACH-related support throughout the conversion.

Email Us

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