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Automated Clearing House (ACH) Services

The Automated Clearing House (ACH) system is an electronic network that processes large volumes of credit and debit transactions in batches. Any type of deposit or withdrawal from a checking or savings account, anywhere in the country, can be handled by the ACH system.

Now, any business can take advantage of the ACH system. In the past, ACH users needed mainframe computer capability. Today, with a personal computer and ACH editor software from MidWestOne Bank, any business, large or small, can take advantage of this time-saving measure.


  • Less time writing checks and reconciling balances
  • Reduced consumption of blank check stock
  • Fewer lost checks and reissues
  • Lower administrative costs
  • Improved cash management
  • Minimized banking time for employees
  • Increased security and reliability

Consolidate Funds with ACH

Is your business spread over several locations? Use ACH to manage your operating cash more efficiently. Keep your surplus operating cash in a single, consolidated account, and use the ACH system to receive and disburse operating funds to and from various locations on an as-needed basis – less expensive than wire transfers, quicker than mail transfers.