ACH & Wire Origination

ACH Origination lets your business send and receive payments electronically, such as payroll direct deposits, vendor payments, and customer collections, directly from your business account. ACH transfers can be sent in a bulk file or as individual transactions.

ACH speeds up payments, reduces paper check use, improves cash flow management, and can reduce processing costs.

You can originate credit transactions (paying employees or vendors) or debit transactions (collecting customer payments).

Typically, ACH transactions settle within 1–2 business days, but same-day ACH is available. Same-day ACH transactions have a higher per-item cost and must be submitted by 10am PST on a business day (9:30am PST if using Commercial Center).

There is an application process required for ACH Origination, which your Business Banker can help you with. Once approved, your admin will be given access to ACH Origination in Business Online Banking or Commercial Center. Your admin can then assign permissions to other users. Once enabled, ACH will appear as an option in Business Online Banking or Commercial Center (whichever system your business uses). No additional credentials are required.

Yes, ACH access requires secure online banking credentials, multi-factor authentication, and dual approval options for added protection.

ACH payments are transmitted electronically, eliminating the risk of paper checks being stolen, altered, or counterfeited. Check fraud often occurs because account and routing numbers are printed right on the check. With ACH, your payment information is encrypted and transmitted securely, reducing opportunities for fraud.

Yes, there are monthly and per item fees for ACH Origination. For Business Analysis Checking and Community Dividends Analysis Checking clients, these fees can be offset with Earnings Credits. Please see our Schedule of Fees and Services for details.

Wire Origination allows you to send funds electronically directly from MB&T to a beneficiary bank in real-time or the same day, both domestically and internationally, in US dollars or foreign currency.

MB&T Business Online Banking supports both domestic and foreign wires in US dollars. Our Commercial Banking platform, Commercial Center, also supports wires in foreign currency. MB&T allows foreign wires to most countries, but there are some exceptions.

Use wires for high-value, time-sensitive payments or when sending funds internationally.

Domestic wires are generally processed same day if submitted before the Bank’s wire cutoff time (2pm PST). International wires may take 1–2 business days, depending on the receiving bank’s location.

There is an application process required for Wire Origination, which your Business Banker can help you with. Once approved, your admin will be given access to Wire Origination in Business Online Banking or Commercial Center. Your admin can then assign permissions to other users. Once enabled, Wires will appear as an option in Business Online Banking or Commercial Center (whichever system your business uses). No additional credentials are required.

Wires require authentication steps such as multi-factor authentication, with dual approval options available, to prevent unauthorized transactions.

Yes, our system allows you to set up future-dated and recurring wires for convenience and cash flow planning.

Wires move funds directly from one verified bank account to another through secure, regulated banking networks. Transactions are authenticated before processing, making them less susceptible to theft or forgery than paper-based payments.

Yes, there are monthly and per item fees for Wire Origination. For Business Analysis Checking and Community Dividends Analysis Checking clients, these fees can be offset with Earnings Credits. Please see our Schedule of Fees and Services for details.