Reviewing ACH Notices & Returns

When you enrolled in First Bank digital banking, you created a Login ID and Password. Enter that information in the corresponding screens and then click the “Log In” button. Next, you will be asked to enter your password, then click “Continue.”

From the menu on the left, select “Commercial,” click on “Positive Pay” from the dropdown to go to the First Bank Positive Pay System.

Then click on “Transaction Processing” followed by clicking on “ACH Reporting Files” from the menu on the left.

At the top of the page, select the date range the item was processed during and click “Refresh.”

Click “Download” to view the item that has been flagged as a Notice of Change or Return.

The file will be downloaded onto your computer.

Open the PDF file to review the ACH notice details.

At the bottom, the section labeled “ADDENDA” will show you the reason the item was returned, such as incorrect account or routing numbers.

You can update this information in Recipient Management so the transaction can be processed using the step-by-step instructions here. (Note these must be corrected or removed within six Business days.)

Open the PDF file to review the ACH notice details.

At the bottom, the section labeled “ADDENDA” will show you the reason the item was returned, such as insufficient funds. You will need to contact the account owner to discuss how you want to handle the situation in order for the transaction to be processed.

You can see a list of common codes and their meanings here.