ACH On-Demand Posting

Are you ever wanting to post your paycheck to your account a day early? With this on-demand posting, Community First is now able to post your pending ACH credit deposits early.

Details:

  • -ACH On-Demand Posting is available to all members. There is no age requirement. 
  • -This feature can be done with any pending deposit. 
    • -Funds must be pending in the ACH warehouse to post early.
    • -If there are any distributions tied directly to the deposit, those will post early as well.
      • -Any automatic funds transfers (AFT) will happen at their normal scheduled time.
    • -This feature can be done in branch with a Member Service Representative, on our mobile app, or through online banking. 
    • -There is no fee at this time.
      • -If a member is processing their ACH online, it will ask if they accept the fee; however, one will NOT be assessed.

In-Branch Usage:

  • -Once your deposit is pending on screen, any Member Service Representative can simply post the transaction.
  • -At that time the pending ACH deposit is posted, and the funds are immediately available to the member.
  • -If the member has distributions tied directly to this deposit, those will post early as well.
    • -Any automatic funds transfers (AFT) will happen at their normal scheduled time.

Mobile App/Online Banking Usage:

  • -Members can post their pending ACH deposits by selecting “Post Now” next to the pending ACH deposit.
  • -On the next screen, the member will be asked to accept the fee; however, one will NOT be assessed.
    • -There is currently no fee for this feature.
  • -At that time the pending ACH deposit is posted, and the funds are immediately available to the member.
    • -If the member has distributions tied directly to this deposit, those will post early as well.
      • -Any automatic funds transfers (AFT) will happen at their normal scheduled time.