ACH Filter through online banking

ACH Positive Pay is called ACH Filter at UMB. 

ACH Filter is designed to reduce the likelihood that unauthorized ACH transactions will post to your company’s deposit accounts. UMB ACH Filter enables your designated company user(s) to actively and efficiently screen incoming ACH transactions received by UMB Bank prior to posting to your account.

There are separate modules within UMB ACH Filter to instruct ACH credit and/or ACH debit transactions.

July 14 customer action required

  • Customers must log in on July 14 and validate user notifications, settings and authorization/payment rules are accurate.

  • All items must be decisioned before the 7 p.m. CT cut off. This first-time decisioning will include two days of items.

New for customers

Current ACH Positive Pay Process  UMB ACH Filter Process 
Decisions on credit and debit transactions are made on the same decision screen. Decisions on credit and debit transactions are made within separate modules or through the Consolidated Transaction Warehouse.
Items are decisioned that were received the prior business day Items are loaded throughout the day with decisions due by the end of same processing day
End of day cut off is 1 p.m. CT the following day End of day cut off is 7 p.m. CT same day
Custom security templates available Custom security templates are not available. User administrators manage all user entitlements through the online banking administrator tool.
Quick decisioning screen within online banking will no longer be available Customers will need to access the ACH Filter application to decision their outstanding items.

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Additional important ACH Filter information

Your current deadline for decisions is 1 p.m. CT for prior day transactions.

Through Premier Business Online Banking’s ACH Filter application, your new deadline for decisions is 7 p.m. CT for same day transactions.

As transactions are loaded into ACH Filter throughout the day, a best practice is to log in closer to the end of the day (around 5 p.m. CT) to decision items.

New Functionality: You will now be able to set up filter frequencies (daily, weekly, monthly), transaction limits and expiration dates on filters.

The Premier Business Online Banking ACH Filter platform has separate modules for both credit and debit filters as well as a consolidated view where you can review and decision your times from one landing page. Training will be available for users.

You will be able to decision your most of your ACH transactions on the day they are received.

Custom security templates will not be migrated over. Administrators will need to review any custom security template user privileges and update as needed post conversion.

Beginning July 21, you should log in and review your filters for accuracy. Administrators should log in and review user entitlements and notification settings through Premier Online Banking.

If you use ACH Filter and would like your UMB Credit Card payments automatically debited from your account, please add UMB’s Company ID (COID) to your authorized list.

Company ID for UMB Loan Payments:

  • 1101000695

Company IDs for Commercial Card Payments:

  • 1980455904
  • 9470535472
  • 8470535472
  • 8470535473

Important fraud reminder

Scammers often try to exploit business transitions, like acquisitions and mergers. Please remember: We will never contact you to request or confirm confidential information or request a video call, and we’ll never ask for sensitive data like PINs, usernames, passwords or access codes. If you suspect fraud, contact your current customer service team immediately.

Commonly asked questions

For most customers, you do not need to update your one-time or recurring ACH transactions at this time. For now, continue to use your existing routing and account number information. If you need to make an update, we will contact you directly and provide additional information.

Yes, all templates, recipients, and scheduled or recurring series ACH payments will convert to UMB Premier Business Online Banking.

The last date you can initiate ACH transactions before conversion weekend is Friday, July 11.

At conversion we will be migrating over 90 days’ worth of transaction history. Going forward 18 months of transaction history will be available on Premier Online Business Banking and Centrix for customers to review.

Questions on a specific account or service?