File transmission through online banking

File transmission, commonly referred to as an SFTP or HTTPS upload/download connection, is a way to securely send files to UMB for processing. This could be either by an encrypted automated process or by uploading directly to the bank via the secure HTTPS website.

Both file transmission options require your company to identify a technical contact to work with UMB. If you use file transmission, a UMB migration/conversion specialist contacted you to help with this transition.

SFTP is a direct mainframe-to-mainframe connection between your company and UMB. SFTP and HTTPS require a UMB specialist to set up your company for this service.

File transmission connections are commonly used for the following product types:

  • ACH
  • Check Positive Pay
  • Image Cash Letter
  • BAI2 data files
  • ACH Return and NOC reporting

ACH NACHA file change specifications

View our ACH NACHA file change specifications guide for support on updating File Header, Batch Header Record, Entry Detail Record and Batch Control Record.

Important information for your file transmission transition

If you used ACH File Transmission as part of your ACH Origination services with Minnesota Bank & Trust, a conversion specialist assisted with your transition to UMB Bank, as you were required to make ACH file changes by July 3.

 

 

Were there changes I needed to make to my ACH (NACHA) file I was sending to Minnesota Bank & Trust?

The necessary file change specifications are outlined in our NACHA file change specifications guide.

If I was sending a balanced NACHA file, will I need to change this?

You will need to ensure you are sending an unbalanced file to UMB Bank. This change should be made after speaking with your conversion specialist.

Do I need to change the name of my file sent to the bank?

The details for naming your files submitted to UMB Bank were provided by your conversion specialist.

Does my ACH File need to be confirmed after it is sent to the bank?

You will use the UMB ACH File Confirmation process accessible through online banking. This is a new service you were enrolled in as a part of your transition to UMB Bank.

 

Who is available to help make these changes?

You were contacted by a member of the UMB Bank conversion team to assist with making the changes for your ACH File Transmission.

What information did my conversion specialist provide?

The UMB Bank conversion specialist provided all of the necessary details to update your NACHA file for processing at UMB Bank.

How was my updated file tested?

The UMB Bank conversion specialist worked with you and our technical team to ensure your file was received and successfully tested.

How am I set up with the ACH File Confirmation service?

The UMB Bank conversion team worked with you to identify and set up appropriate company users with the ACH File Confirmation service.

Who do I contact with questions?

Your conversion specialist will be your primary contact during and immediately after the conversion. This specialist will provide you with their contact information.

After conversion, contact the UMB Support team at 1-855-224-6864, option 1 for additional support.

Commonly asked questions

Your existing ACH setup dictates what SEC codes you are able to originate through UMB. Please contact your Treasury Management Officer to make any adjustments needed prior to your transition to UMB.

  • PPD: Prearranged Payment and Deposit Entry
  • CCD: Cash Concentration or Disbursement
  • CTX: Corporate Trade Exchange
  • TEL: Telephone-Initiated Entry (requires prior approval)
  • WEB: Internet-Initiated Entries (requires prior approval)
  • IAT: International ACH Transaction (requires prior
    approval)
  • RCK: Re-Presented Check Entry
  • POP: Point of Purchase Entry
  • BOC: Back Office Conversion Entry

File submission and file confirmations must be completed by UMB Bank’s cut off time, which is 7:00 p.m. CT.

Future dated transactions initiated prior to July 11 will process normally.

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.

Questions on a specific account or service?