Nacha Risk Management Package Update
Effective March 20, 2026, as part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.
Standardized uses of the Company Entry Description can help parties in the ACH Network identify, monitor and count the volume of payments for specific purposes and can help manage risk.
Included as part of the Risk Management Rule amendments are two additional required Company Entry Descriptions, “PAYROLL” and “PURCHASE.”
See RISK MANAGEMENT TOPICS – Company Entry Descriptions | Nacha for more information.
Date: 04/08/2026
Upcoming Changes to Statements
Coming soon we will be updating our Statement format and mailing cycle.
We will go from four statement cycles (7th, 14th, 21st, and End of Month) each month, down to one statement cycle (End of Month).
To see a sample of the new statement format, click here: Statement-Sample
Date: 03/01/2026
Changes to Funds Availability Policy Effective July 1, 2025
We are updating our funds availability policy in accordance with federal Regulation CC changes.
These updates reflect inflation-adjusted thresholds and will impact the amount of funds available for withdrawal from check deposits.
Effective July 1, 2025, the following changes will apply:
- Minimum amount available from check deposits on the next business day:
- Increasing from $225 to $275
- Large deposit threshold:
- Increasing from $5,525 to $6,725
These changes are intended to improve access to your funds and reflect adjustments based on inflation.
No action is required on your part.
For more details, please contact us at (573) 683-3373.
Thank you for banking with us.
Date: 07/01/2025
About Us
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