We will be undergoing system maintenance Sunday, September 19 between 9:00 A.M. - 6:00 P.M. EST. The following systems will experience down time at some point during this time frame: Online/Mobile Banking, Audio Banking, and ATMs.
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An ACH Reject fee is a $5 fee that is assessed when an ACH Deposit or Withdrawal has been processed with an incorrect account number or account type. Since these transactions require manual intervention to locate and post to the account, a $5 processing fee is assessed. To correct this, simply give us a call at 989-249-8200 or toll free at 1-800-227-2328, and we can provide the correct information to avoid future fees.
The Federal Reserve processes ACH files throughout the day and makes them available to financial institutions. To comply with the changes related to the "same day" ACH entries, we process ACH files from the Federal Reserve several times a day. We have postings around 1:00 A.M., 7:00 A.M., 12:00 P.M., and 4:00 P.M., this includes all transactions, both deposits and withdrawals from and to member accounts.