Cash Management





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ACH Standard Entry Class Codes

Know your Standard Entry Class (SEC) Codes — the 3 character code identifying the payment type and formatting requirements regulated by NACHA. Read the ACH SEC Code FAQs.

Consumer Transactions Commercial Transactions


PPD: Prearranged Payment & Deposit


CCD: Corporate Credit or Debit
CTX: Corporate Trade Exchange

Unauthorized Returns Window

60 calendar days

View PPD  Details

Unauthorized Returns Window

24 hours (2 banking days)

View CCD and CTX  Details

Security Awareness Training

All Cash Management users must complete a web-based training security once each year. We’ve updated our training program to provide a new and improved learning opportunity in 2016. Training details.

Training Deadline: May 31, 2016

ACH Authorization Requirements

ACH Originators can use this quick list of ACH authorization requirements and sample ACH forms that you can easily download and use for your company.

One-Time Passcode Authentication

Wires and ACH Batch Transactions

To ensure that only authorized Cash Management users are conducting wires and ACH transactions online, users are required to enter a 4-digit one-time passcode to complete all wire and ACH transactions. This one-time passcode will be sent via text message to a registered mobile phone number or by calling Business Solutions Support at 844.238.3838. Find more details in our Security Manager One-Time Passcode Information Sheet (1 MB .pdf)  

Virtual Security Tokens

We issue virtual tokens instead of physical devices which can be challenging to keep track of.  Virtual tokens are available for desktop computers or mobile devices. Learn more.

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