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FDIC

FDIC-Insured-Backed by the full faith and credit of the U.S. Government

FDIC

FDIC-Insured-Backed by the full faith and credit of the U.S. Government

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Routing Number: 221271935

Routing Number: 221271935



Key Tips to Consider:

Expanded FDIC Insurance

Prior to initiating ACH entries:

  • Verify the recipient’s identity using contact information already on file
  • Follow applicable law and NACHA Operating Rules for authorization to consumer and non-consumer accounts, which may include written authorization from the recipient
  • Validate receiver’s account and routing number
    • To validate, a prenote can be utilized. A prenote is a zero dollar transaction that is sent as a test to ensure the new recipient's account information is valid prior to sending live dollar transaction
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When initiating ACH entries:

  • Use the proper Standard Entry Code (PPD or CCD)
  • Input the Effective Entry Date for the transaction to settle
  • Use proper formatting:
    • Company Name/Identification Field
    • Company Entry Description Field (If processing Payroll, use PAYROLL)
    • Ensure Data Security Requirements are followed
    • Addenda records can be included as a note or memo containing additional context for the recipient, such as, an invoice number or description of payment
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After initiating ACH entries:

  • Retain proof of authorization for the transaction two years from the date the authorization is terminated or revoked
  • Respond to all proof of authorization requests which will be provided to the Receiving Depository Financial Institution (RDFI) within 10 business days of the request
  • Make changes specified in a Notification of Change (NOC) within 6 business days of receipt or prior to initiating another Entry to receivers account
Personal Checking

As an ACH Originator, you must:

  • Implement processes and procedures to identify ACH Entries initiated due to fraud
  • Assess the volume, value, and frequency of payments to determine if existing processes are effective in identifying potential fraud, such as unusual increases in transaction amounts or frequency of transactions to a single account
  • Establish a standardized approach for identifying and investigating anomalies in return payments activity to enhance fraud monitoring and prevention measures

Frequently Asked Questions

What are additional responsibilities of Originators? 
NACHA Operating Rules require ACH participants, including Non-Consumer Originators, to protect the security and integrity of certain ACH data. Originators must establish, implement, and update security procedures, policies, and systems related to the initiation, processing, and storage of entries resulting in Protected Information.

Are Originators required to send Prenotification entries prior to initiating a live dollar entry? 
Prenotifications are OPTIONAL, non-monetary entries to validate or revalidate a Receiver’s account number. Originators who initiate prenotifications must wait until the third banking day before initiating any future live dollar entries. 

Our Financial Institution gave us a Notification of Change. What is my responsibility as the Originator of the original Entry? 
For single Entries, the Originator may at its discretion make the changes. For Recurring Entries, the Originator must make the changes as indicated in the Notification of Change prior to sending the next live dollar Entry. 

The Original Debit Entry was returned R01 Insufficient Funds or R09 Uncollected Funds. Is an Originator allowed to Reinitiate the Entry? 
Yes, for Entry returned R01 Insufficient Funds or R09 Uncollected Funds, the Originator may reinitiate up to two more times within 180 calendar days of the settlement date original Entry and must include RETRY PYMT in the Company Entry Description Field. 

Is my Financial Institution or Third-Party Sender required to set exposure limits? 
Yes, Exposure limits must be established by the Originating Depository Financial Institution and Third-Party Sender for each Originator. The limits reflect ACH processing activity and must be monitored.

Where do I find more information on specific authorization types and SEC Codes? 
Refer to the NACHA Operating Rules & Guidelines.

How do we initiate a Reversal to correct a mistake made in Origination? Contact your financial institution to ensure Reversals are allowed. Be aware that there are limited uses, specific timing, and file format requirements. For more details, see NACHA Operating Rules & Guidelines.

How can I stay informed of the latest updates to NACHA's rules?
Visit NACHA’s website.

Additional Best Practices

Verify outgoing ACH information or changes in contact information using contact information already on file

Periodically review your account for unusual activity

Do not share your username or password for online banking

Columbia Bank will NEVER call you and ask for your username, password, or MFA code

Report suspicious or unusual bank activity to Columbia Bank via the Customer Service Center or your local branch

Be wary of emails from bad actors, spoofed email addresses, or requesting urgent action

Do not click on links from unknown senders – first hover over the link to ensure it is legitimate. Even emails from known sources can be hacked

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