ACH

Save time and money with ACH* services from Chemical Bank. Any business, large or small, can initiate ACH transactions. Payments will automatically deposit into an account at the financial institution of the payee's choice. Collections automatically deposit into your account at Chemical Bank.

Benefits

Electronic ACH transactions provide benefits for both parties.

  • Economical - It is usually less expensive than issuing, mailing and reconciling checks and the payee has next day access to the funds
  • Useful - It helps you to more accurately manage your cash flow
  • Practical - It saves you time and eliminates mailing payments
  • Easy-to-use - ACH transactions can be transmitted with a few clicks of your mouse

For more information, stop in or call any Chemical Bank Location or call an eBanking Specialist at (866) 804-4592. One of our representatives will be happy to answer all of your questions.

Frequently Asked Questions

Got questions? We've got answers.

For cut-off times based on transaction type, please refer to the chart below.

Transaction TypeDaySystem Cut-Off Times
Transfers or Bill Payments Same Day as the Effective Entry Date 8:00 PM (ET)
WiresSame Day as the Effective Entry Date 2:30 PM (ET)
Positive PayOn each Business Day12:00 PM (ET)

ACH Transactions

  • Payroll
  • ACH Payments
  • ACH Receipts
  • Tax Payments

ACH Transactions

  • 2 Business Days before the Effective Entry Date
  • 2 Business Days before the Effective Entry Date
  • 1 Business Days before the Effective Entry Date
  • 1-2 Business Days before the Effective Entry Date
4:00 PM (ET)

*Additional Costs and Fees Apply