M&t ach routing number

Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers. The routing number can be found on your check. Bank Routing Number 021052053 belongs to Joint Upic Account. It routing FedACH …

M&t ach routing number. You can call your bank using the phone number listed on your debit/credit card or send a message through your online banking system. Using the wrong routing number can lead to delays in processing the transfer. Routing number 021907577 is assigned to M & T BANK located in AMHERST, NY. ABA routing number 021907577 is used to facilitate ACH …

Ways to find the 021052053 routing number online. Here are several ways available to you to find your ABA routing number: On this page We've listed above the details for ABA routing number 021052053 used to facilitate ACH funds transfers.; Online banking portal: You'll be able to get your bank's routing number by logging into online banking. Paper check or bank statement: Bank-issued checks or ...

The bank routing and account information for making ACH credit payments for all tax types including wage garnishments, except real property taxes is as follows: Bank: Wells Fargo Routing Number: 121000248 Account Number: 20210000000000001 Real Property bank routing and account information for making ACH credit payments is as follows:SWIFT Code是指银行国际代码,一般用于发电汇,信用证电报,大部分银行都有,用于快速处理银行间电报往来。 像工商银行和建设银行这样的大银行,也会对自己内部的分支机构分配后缀不同的Swift code。 Routing Number也称作 Routing Transit Number 或 ABA Number,它是由ABA(美国银行家协会)在美联储监管和协助 ...Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers. The routing number can be found on your check. Bank Routing Number 052000113 belongs to M & T Bank. It routing both FedACH and Fedwire payments.The routing number for St. Mary's Credit Union is 211384214. 211384214.Where is the routing number on the check? And if you don't have a checkbook, where can you get the routing number? Ask HowStuffWorks. Advertisement Most customers pay by for goods ...M & T BANK routing numbers have a nine-digit numeric code printed on the …031100092 is your current routing number of M & T Bank in the city Amherst and state NY (New York). We have mentioned the complete details about the Bank in the given table below. The table includes essential information that will be very useful for you and other visitors. The code indicating the ABA number to be used to route or send ACH items ...

What Is the Routing Number? The routing number is a 9-digit code that is used by banks in the US. The routing number, also known as ACH or ABA routing code, can be found on bank websites and personal checks together with the bank account. Generally, they use the routing numbers to direct bank transfers from one American bank account to another.A newly organized financial institution must complete and submit an application to LexisNexis Risk Solutions to be assigned its ABA Routing Number. For additional details regarding the application process, contact: Routing Number Registrar. LexisNexis Risk Solutions. 1007 Church Street. Evanston, Illinois 60201. (800) 321-3373. (847) 933-8040 …See more PNC routing numbers. Type of wire transfer. PNC routing number. Domestic Wire Transfer. 043000096. International Wire Transfer to PNC account in the USA. 043000096. SWIFT Code. PNCCUS33.9600 Medical Center Drive. Rockville, MD, 20850. Full Branch Info | Routing Number | Swift Code. M and T Bank - Executive Blvd. Branch. Full Service, brick and mortar office. 5910 Executive Boulevard. Rockville, MD, 20852. Full Branch Info | Routing Number | Swift Code. M and T Bank - Pike Center Branch.There are different ways to trace the BB&T routing number: 1-Routing Number on BB&T Mobile App: The fastest and easiest way to find the BB&T Routing Number is to use BB&T Mobile App You can also find the routing number by following these directions: Login to your account and select the required account. Select the Account Information from the ...

Routing Number for People's United Bank is 221172186. Routing Numbers are used for setting up direct deposits, initiating wire transfers and other electronic payments and are also used for ordering checks. Routing Numbers are also called Routing Transit Numbers (RTNs), ABA routing numbers, ACH routing numbers. To receive a wire transfer to …The routing and account numbers are located in the bottom-left-hand corner of each check. The routing number is listed first, then the account number, then the check number. Some banks may reverse ...The first is the check routing number used to identify your bank. Your account number is the second set of numbers (labeled "2" in the image above). Different banks and credit unions issue ...Safeguarding your online banking sessions is our top priority. For information about how you can help protect your online banking sessions, or if you need additional assistance with your e-Treasury log-in, please contact TM Service at [email protected] or 212.575.8020.Terms for Access and Use of the ABA Routing Number Web Query Service ("Service") January 27, 2022 · Please read this Service agreement and be sure you understand all the terms and conditions. · Continue scrolling until you reach the "I Agree" button. · You may save or print a copy for your records by clicking the "PRINT" button.

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About ACH US Routing Number. A utomated Clearing House (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network. Currently there are more than 18,000 unique Routing Numbers in our database. The tool is provided for informational purposes only.ACH payments work by moving money from one bank to another electronically, without a physical exchange of currency. Two categories of transactions use ACH payments: direct payment and direct ...ACH Routing Number 021300336 - M & T BANK. Detail Information of ACH Routing Number 021300336; Routing Number: 021300336: Date of Revision: 051106: Bank: M & T BANK: Address: 2ND FLOOR: City: AMHERST: ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network ...Reduces the number of bounced checks. The ACH verification process can tell a business if the payer's checking account has a history full of bogus checks. ... The customer provides the account number and routing number, and the business sends the micro-deposits to the account. After a business day or two, the customer verifies the exact ...Ways to find the 051000020 routing number online. Here are several ways available to you to find your ABA routing number: On this page We've listed above the details for ABA routing number 051000020 used to facilitate ACH funds transfers.; Online banking portal: You'll be able to get your bank's routing number by logging into online banking. Paper check or bank statement: Bank-issued checks or ...

Routing numbers are essential for financial transactions. ... The checking and ACH routing numbers for Citizens Bank in Massachusetts are 011500120 / 211070175. ... M&T Bank. MACU. MCU. Members 1st. MetaBank. Metro Credit Union. MutualBank. Navy Federal. NBT Bank. NEFCU. Nevada State Bank. OnPoint.Select Add a checking account at the Shipping and Payment stage of the checkout process. Enter the bank routing number, also known as the ABA code. Enter the account number. The account must be an ACH-enabled checking account at a bank branch located in the U.S. Enter the name and the address of the principal account holder.Words that start with m for Wordle, Scrabble, Words with Friends, and other word games.Routing number : 031302955, Institution Name : M & T BANK, Delivery Address : 2ND FLOOR,AMHERST, NY - 14228, Telephone : 800-724-2240. Toggle navigation US Banks Directory. ... The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = Institution is a Federal Reserve Bank;Where is the routing number located on a check? The first set of numbers on the lower left corner of a check is the routing number. Keep in mind the routing numbers are 9-digit codes and the character symbol surrounding the numbers is not part of the routing number on a check. Routing numbers, sometimes called transit numbers, are public … If you have questions or comments regarding the customer service you received or the status of your order, please contact us: 1-888-696-6788. M&M'S Peanut Chocolate Candy are delicious peanuts covered in delicious chocolate and a colorful candy shell. These sharing size bags make the perfect gift, party bring-along or movie night snack. First Horizon Bank offers competitive exchange rates on incoming international wires. For more information or routing instructions by specific currency, please contact International Services at 844-724-8795. If you need assistance with incoming wires, please contact the Business Service Center at 888-382-4968, Monday - Friday from 7:00 a.m ...First Horizon Bank offers competitive exchange rates on incoming international wires. For more information or routing instructions by specific currency, please contact International Services at 844-724-8795. If you need assistance with incoming wires, please contact the Business Service Center at 888-382-4968, Monday - Friday from 7:00 a.m ...US Bank NA (21) Valley National Bank (20) Wachovia Bank N.A. (20) Wells Fargo Bank (20) Wells Fargo Bank NA (19) Check routing number for all banks in US. FedACH routing numbers are used by all .....Ways to find the 043000096 routing number online. Here are several ways available to you to find your ABA routing number: On this page We've listed above the details for ABA routing number 043000096 used to facilitate ACH funds transfers and Fedwire funds transfers.; Online banking portal: You'll be able to get your bank's routing number by logging into online banking.M and T Bank - Chester Branch. Full Service, brick and mortar office. 209 Route 206 South. Chester, NJ, 07930. Full Branch Info | Routing Number | Swift Code. M and T Bank - Cinnaminson Branch. Full Service, brick and mortar office. 1406 Route 130. Cinnaminson, NJ, 08077.M&M's is one of them, and the company has been able to brag about it for years. According to M&M's history, the candy-coated chocolates were actually the first candy to be chosen to go to space in 1981. M&M's were chosen by the first space shuttle astronauts, adding them into their precious food supply.

Contact M&T Bank to get phone, email and mailing addresses - and access our commonly used customer service resources. ... Additional Contact Numbers Student Loans. Sallie Mae - 1-888-272-5543 NELNET - 1-888-486-4722 ... ACH/Direct Deposit - 1-800-724-2240 Treasury Management > Merchant Services > Health Savings Account 1-877-682-4721.

Find out US Routing Number 042000314 details. About ACH US Routing Number. A utomated Clearing House (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network. Currently there are more than 18,000 unique Routing Numbers in our database.Routing Number for People's United Bank is 221172186. Routing Numbers are used for setting up direct deposits, initiating wire transfers and other electronic payments and are also used for ordering checks. Routing Numbers are also called Routing Transit Numbers (RTNs), ABA routing numbers, ACH routing numbers. To receive a wire transfer to …Routing number 052000113 belongs to M & T BANK The Number is required for wire transfers from/to this institution. ... The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = Institution is a Federal Reserve Bank; 1 = Send items to customer routing number;Showing 1 - 2. M and T Bank - Merritt Manor Branch. Full Service, brick and mortar office. 1115 Merritt Boulevard. Dundalk, MD, 21222. Full Branch Info | Routing Number | Swift Code. M and T Bank - Dundalk Heritage Park Branch. Full Service, brick and mortar office. 39 Shipping Place. M & M is located in a commercial lot but they have a sign above that is easy to find. There is plenty of free parking and features indoor low top and booth seating only . The owner was very polite and helpful since it was our first time here . I ordered the Turkey and cheese and my husband went with the Italian . David Cameron is set to remain prime minister. This post is no longer being updated. You can follow the results on our election tracker and live blog. Preliminary results and exit ...Start your 4-week trial at Go to https://www.stamps.com/ + promo code: nostalgia We all know them but never talk about them. Where did they come from? Who’s ...Écouter en streaming: https://m.lnk.to/revalite« Rêvalité » le nouvel album de -M- est disponible : https://m.lnk.to/revalitealbumVoir le clip Part 2: https:...小说文字区 2024-05-05 01:05: mark_chat_unread: 这应该是全网最美女s了吧,求助有认识的吗 三次元求助及交流 2024-05-05 01:00: mark_chat_unread: 间谍与奴隶游戏(7.20更新:来自贵妇人的突然袭击) 小说文字区 2024-05-05 00:42M&T Bank Routing Number Maryland - 052000113. M&T Bank Routing Number New Jersey - 022000046. M&T Bank Routing Number New York - 022000046. M&T Bank Routing Number Pennsylvania - 031302955. M&T Bank Routing Number Virginia - 052000113. M&T Bank Routing Number Washington - 052000113.

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Tap here to view the account and routing numbers for your checking and savings accounts. A quick note—your checking account number is different from your savings account number but the routing number is the same for both. ... via the Automated Clearing House ("ACH") Network during a 30-day Evaluation Period (as defined below). Deposits ...Automated Clearing House (NACHA, ACH, EFT, Vendor Payments): ... Recipient Type of Account: M&T Bank ABA/Routing Number: 022000046 Receiving Bank Address: One M&T Plaza, Buffalo, NY 14203 . Note: M&T Bank can accept payments in the following formats: CCD, CCD+, and CTX for corporate to corporate payments. PPD and PPD+ are accepted, however they ...To send a domestic ACH transfer, you'll need to use the ACH routing number 026073150. You'll need to include the ACH routing number when sending an ACH transfer to any Wise account. What are routing numbers used for? Banks use routing numbers for all sorts of financial transactions. You might need one if you want to do any of the following:The 011102612 ABA Check Routing Number is on the bottom left hand side of any check issued by SALISBURY BANK & TRUST CO. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank.There are three M&T Bank routing numbers based on the state in which you opened your account. They are: 022000046 - Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York and Vermont. 031302955 - Pennsylvania and Delaware. 052000113 - Maryland, Virginia, West Virginia and Washington, DC. Direct Deposit Authorization Form ...Contact M&T Bank to get phone, email and mailing addresses - and access our commonly used customer service resources. ... Additional Contact Numbers Student Loans. Sallie Mae - 1-888-272-5543 NELNET - 1-888-486-4722 ... ACH/Direct Deposit - 1-800-724-2240 Treasury Management > Merchant Services > Health Savings Account 1-877-682-4721.Discover the catchy song "Superchérie" by -M-, a French multi-instrumentalist and singer-songwriter. Watch the video from his album "Lettre Infinie".What is my routing or transit number? Regions routing numbers are as follows: State. Routing/Transit Number. Alabama. 062000019. Arkansas. 082000109.Here are some ways for you to know your routing numbers: The general routing is 314074269, commonly used for USAA Federal Savings Bank and in San Antonio, TX. For USAA Federal Savings Bank, it is 114094041 while for USAA Savings Bank, it is 122487129. NOTE: The USAA Bank does not have a SWIFT Code.The checking and ACH routing number for PNC in Alabama is 043000096. Find the routing number for your PNC account in Alabama before sending wire transfers, making ACH payments or setting up direct deposit. Type of wire transfer. PNC routing number. Domestic Wire Transfer.Have questions about M&T Online Banking? Personal Accounts: 1-800-790-9130. Monday - Friday 8am - 9pm ET . Saturday - Sunday 9am - 5pm ET . Business Accounts: 1-800 ...Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers. The routing number can be found on your check. Bank Routing Number 031100092 belongs to M & T Bank. It routing both FedACH and Fedwire payments. ….

You may take a look at this list and locate the routing number of M&T Bank corresponding to your state. If you have a check from M&T bank, you can cross reference that to ensure the validity of the routing numbers. STATE. ROUTUING NUMBER. Connecticut . 022000046. Deleware. 031302955. Maryland . 052000113. New Jersey . 022000046. …IBC Bank routing number for ACH transfers. The ACH routing number will have to be included for sending an ACH transfer to any IBC Bank account. To send a domestic ACH transfer, you'll need to use the ACH routing number 114902612. You'll need to include the ACH routing number when sending an ACH transfer to any IBC Bank account.With an eCheck, the money is electronically withdrawn from the payer's account, sent via the ACH network to the payee's banking institution, and then electronically deposited into the payee's account. This is all done similar to paper check processing, just electronically. 4. What Types of Payments Can You Make with eChecks.Account Validation. The Supplementing Fraud Detection Standards for WEB Debits rule (effective March 19, 2021) is neutral regarding specific methods or technologies used to validate first-use consumer account information. Possibilities include: An ACH prenotification. ACH micro-transaction verification. Commercially available validation service.The routing number, also called an ABA routing number, can be found in multiple ways. It’s important to provide the correct routing number in payments and fund transfers. The fastest way to find your routing number is to look at the bottom of one of your personal checks. The routing number is the nine-digit number printed in the bottom left ...Shop on-trend womenswear, quality menswear, home and beauty essentials and mouth-watering food and drink. Order online with free delivery or collection at M&SGood morning, Quartz readers! Good morning, Quartz readers! The EU considers adding new members. A European Commission paper to be published today will map out membership (paywall)...Ways to find the 081204142 routing number online. Here are several ways available to you to find your ABA routing number: On this page We've listed above the details for ABA routing number 081204142 used to facilitate ACH funds transfers and Fedwire funds transfers.; Online banking portal: You'll be able to get your bank's routing number by logging into online banking.4726 Lee Highway. Arlington, VA, 22207. Full Branch Info | Routing Number | Swift Code. M and T Bank - Ashburn Branch. Full Service, brick and mortar office. 43911 Farmwell Hunt Plaza. Ashburn, VA, 20147. Full Branch Info | Routing Number | Swift Code. M and T Bank - Sliding Hill Branch.Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers. The routing number can be found on your check. Bank Routing Number 022000046 belongs to M & T Bank. M&t ach routing number, Account Number. The account number works in conjunction with the routing number. While the routing number identifies the financial institution's name, the account number—usually between eight ..., You’ll need the ACH Routing Number when sending an ACH transfer to any USAA account. The USAA Routing Number for ACH payment is 314074269. Type of Fund Transfer ... M&T Bank : MACU: MCU: Members 1st : MetaBank : Metro Credit Union : MutualBank : Navy Federal : NBT Bank : NEFCU : Nevada State Bank : OnPoint : …, Step 1. Get the ACH debit authorisation form for the organization you need to pay. Step 2. Complete your personal information — this can often be done online. Step 3. Set the agreed payment date and schedule. Step 4. Check everything over, confirm, and submit following the organization and your bank's processes., You can call your bank using the phone number listed on your debit/credit card or send a message through your online banking system. Using the wrong routing number can lead to delays in processing the transfer. Routing number 021907577 is assigned to M & T BANK located in AMHERST, NY. ABA routing number 021907577 is used to facilitate ACH …, Here are some of the ways to find your number online: On this website - We've listed routing numbers for some of the biggest banks in the US. Online banking - You'll be able to get your bank's routing number by logging into online banking. Check or statement - bank-issued check or bank statement., M&T Bank routing number. Find here the M&T Bank routing number to transfer money to an account on that bank. M&T Bank routing number. What is a routing number? A …, If you have questions or comments regarding the customer service you received or the status of your order, please contact us: 1-888-696-6788. Visit our flagship M&M'S stores around the globe. One 9.4 oz sharing size bag of M&M'S Chocolate Minis Candy. Enjoy a timeless favorite, miniature M&M'S made with real milk chocolate and surrounded by a ..., Where is the routing number located on a check? The first set of numbers on the lower left corner of a check is the routing number. Keep in mind the routing numbers are 9-digit codes and the character symbol surrounding the numbers is not part of the routing number on a check. Routing numbers, sometimes called transit numbers, are public …, Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers. The routing number can be found on your check. Bank Routing Number 031302955 belongs to M & T Bank. It routing FedACH payments only., ACH Routing Number 031100092 - M & T BANK. Detail Information of ACH Routing Number 031100092; Routing Number: 031100092: Date of Revision: 082611: Bank: M & T BANK: Address: ACH/EDI SERVICES: City: ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network ..., Jun 12, 2023 · M. m (plural MM.) Abbreviation of Monsieur. Synonym: M r; Usage notes [edit] In modern standard French as spoken in France, the usual abbreviation of monsieur is M., and its plural, the abbreviation of messieurs, is MM. Uncommonly, Mr (and archaically Mr.) is found as an alternative abbreviation of monsieur; its plural is Mrs. , The checking and ACH routing number for M&T Bank in Maryland is 052000113. Find the routing number for your M&T Bank account in Maryland before sending wire transfers, making ACH payments or setting up direct deposit. Type of wire transfer. M&T Bank routing number. Domestic Wire Transfer., Routing numbers are used by Federal Reserve Banks to process Fedwire funds transfers, and ACH (Automated Clearing House) direct deposits, bill payments, and other automated transfers. The routing number can be found on your check. Bank Routing Number 252073018 belongs to M & T. It routing FedACH payments only., Access features to easily manage your account — anywhere, withOnline & Mobile Banking. If not enrolled already, signing up takes less than 5-minutes! You’ll need your M&T account number or debit card and your social security number to begin. Manage your money from your smart device or laptop when and wherever you are., Click on the routing number link in the table below to navigate to it and see all the information about it (address, telephone number, zip code, etc.). Filter. No. Routing Number. Address. City. State. 1. 041001013., Have you ever felt a gripping, sharp migraine pain — but in your abdomen? Here's what you need to know about abdominal migraine. Abdominal migraine involves a painful ache in your ..., The routing number # 031100092 is assigned to M & T BANK. Routing Number: 031100092: Institution Name: M & T BANK : Office Type: Main office: Delivery Address: ACH/EDI SERVICES, AMHERST, NY - 14228 Telephone: 800-724-2240: Servicing FRB Number: 031000040 Servicing Fed's main office routing number: Record Type Code: 1 …, 256073302. SECOND FLOOR. AMHERST. NY. Showing 1 to 31 of 31 entries. Previous Next. ACH US Routing Number - M & T BANK., Apr 30, 2011 · ^M happens to be the way vim displays 0xD (0x0D = 13, M is the 13th letter in the English alphabet). You can remove all the ^M characters by running the following: :%s/^M//g Where ^M is entered by holding down Ctrl and typing v followed by m, and then releasing Ctrl. , You may enroll online, or stop by any F&M Trust community banking office and ask a customer service representative for assistance setting up your account. You may also call us at (717) 264-6116 or (888) 264-6116 and we will assist you in the enrollment process over the phone., In case you don't have your checkbook with you right now, below is the complete list of routing numbers that are associated with Fifth Third Bank: Region. Routing Number. FL - Central Florida. 063109935. FL - North Florida. 063113057. FL - South Florida. 067091719., About M. Known to the world as the new wave one-hit wonder M, Robin Scott scored one of the first commercially successful electro-pop/dance singles with 1979's international number one smash "Pop Muzik." During the '70s, he did everything from performing topical folk songs to recording an LP to producing one of the first singles on Stiff (for ..., ACH routing numbers are often used specifically for electronic transfers of usually small payments that may be made one time or on a recurring basis. These transfers come in different types and include a number of codes. Your bank may or may not have a separate ACH routing number. If it does, like the ABA variety, ACH routing numbers are ..., M&M's is one of them, and the company has been able to brag about it for years. According to M&M's history, the candy-coated chocolates were actually the first candy to be chosen to go to space in 1981. M&M's were chosen by the first space shuttle astronauts, adding them into their precious food supply., ACH US Routing Number - UNITED BANK. Click on the routing number for more details. Routing Number. Address. City. State. 1. 011110633. 1645 ELLINGTON RD., Taking a bath is not about getting clean—that’s what showers are for. Baths are about calming your troubled mind and soothing your aches and pains, both physical and emotional. As ..., The routing number can be found on your check. The routing number information on this page was updated on Mar. 25, 2024. Bank Routing Number …, To set up a direct deposit, you'll need to know your Routing/ABA Number and your Account Number. The following check image can help you determine which number is which. Just make sure that you refer to your own check or savings withdrawal ticket when you fill out the direct deposit form. If you don't have checks with your account, you can ..., Routing number : 052000113, Institution Name : M & T BANK, Delivery Address : 2ND FLOOR,AMHERST, NY - 14228, Telephone : 800-724-2240. Toggle navigation US Banks Directory. ... The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = Institution is a Federal Reserve Bank;, Domestic: Provide M&T Bank's routing number 022000046, your account number and your account title; International: Provide SWIFT address MANTUS33, your account number and account title. ... Your elections for incoming ACH transactions were set up on M&T's ACH processing system to mirror the way they were set up on People's United systems ..., Account Number. The account number works in conjunction with the routing number. While the routing number identifies the financial institution's name, the account number—usually between eight ..., We advise you to consult the privacy policies contained on third party linked websites. Heartland Bank assumes no responsibility nor does it control, endorse or guarantee any aspect of your use of the linked site. Continue Cancel. Routing Number. 071112066., To learn more about ACH, or to enroll, please call 1-800-724-2240 (Monday-Friday 8am-6pm ET) to speak to one of our experienced Treasury Management Service Team Representatives, or contact your dedicated M&T Relationship Manager. Access features like direct deposit and electronic tax payments with automated clearing house (ACH) services ...