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 prior to posting to your account.

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

October 14 customer action required

  • Customers must log in on October 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 three days of items.

New for customers

Previous 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. All of these items are available at the beginning of the business day. Items are loaded throughout the day with decisions due by the end of same processing day. The latest these items can be loaded for decision is 5 p.m. CT. You will receive an email when new items are available for decision.
End of day cut off is 1 p.m. CT the following day. End of day cut off is 7 p.m. CT the same day
Custom security templates are available. Custom security templates are not available. User administrators manage all user entitlements through the online banking administrator tool.
Customers access a screen in online banking for quick decisioning. Customers access the ACH Filter application to decision their outstanding items.
Customers can have multiple filters setup for the same company ID and account number with different SEC code filters available. ACH Filter does not use SEC codes when applying filters. Customers will only see one filter per company ID and account number combination. The maximum amount allowed per company ID/account combination is available in ACH Filter.
Credit filters may be set to "pay" or "return." Any credit filters mapped over to UMB will have a default decision set to "pay."

Swipe left or right to view table on mobile

Additional important ACH Filter information

Your pervious deadline for decisions was 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, it’s considered best practice to log in closer to the end of the day (around 5 p.m. CT) to review and decision items received throughout the day.

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. Online training videos are available for users.

You can decision the majority of your ACH transactions on the day they are received.

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

You should log in and review your filters for accuracy. Administrators should log in and review user entitlements and notification settings through Premier Business Online Banking.

Please note: The ACH Filter application does not have the ability to filter by company ID and SEC code combinations by account at this time. Please verify and set up your debit and credit filters for the maximum dollar amount expected for the company ID and account combination needed. Please remove any unneeded filters on your accounts prior to October 1.

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

Company ID for Bill Pay:

  • 9500000000

Company ID for UMB Derivative transactions:

  • 998CHATHAM

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, or online banking usernames, passwords or access codes. If you suspect fraud, contact our 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, October 10.

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?