Guide to Setting Up and Managing ACH Batch Payments with Bank OZK

This guide is designed to assist users with setting up ACH Batch payments. Questions beyond this information should be directed to the Customer Care Center (CCC) at 501-319-6138.

Navigating to the Payments Hub

From the Home page, select Payments and Transfers.

Image description: A screenshot of the Bank OZK website homepage showing navigation options including 'Home', 'Payments & Transfers', and 'Services'.
Select Payments.

Image description: A screenshot showing a button labeled 'Payments' with the subtitle 'Send or collect funds via Wire or ACH'.

The Payments Hub displays.

Image description: The 'Payments Hub' interface is shown, featuring a 'MAKE A PAYMENT' section with options like 'New Payment', 'ACH', and 'Wire'. Under ACH, 'ACH Batch' is listed.

Setting up a New ACH Batch Payment

Read the pop-up reminder and select Okay, got it!.

Image description: A pop-up window titled 'Review Existing Templates' with text explaining to review fields and provide information. It has a button 'Okay, got it!' with a red arrow pointing to it.
Click New Payment and select ACH Batch.

Image description: The 'MAKE A PAYMENT' section is shown again, with the 'ACH Batch' option highlighted after clicking 'New Payment'.

The ACH Batch page displays.

Image description: The 'ACH Batch' screen is displayed. Key fields include 'Origination Details' (with 'SEC Code', 'From Originator', 'Effective Date', 'Recurrence'), and 'Recipients'.

Select the SEC code from the SEC Code drop-down menu.

NOTE: All ACH transactions require you to enter an SEC code except for Payroll.
You can also hover over the question mark [help] to reveal the acceptable SEC Code types.

Image description: A tooltip appears when hovering over the question mark next to 'SEC Code'. It explains that the SEC Code identifies a specific payment application and lists examples: PPD (Business to consumer), CCD (Business to business), WEB (Transactions originated through a website), and TEL (Transactions originated through the phone).

Select the Originator from the drop-down menu.

Image description: The 'From Originator' field is shown, with a search bar and 'ABC Marketing Incorporated' selected from a list.
Select the Account from the list that populates in the search field.

Image description: The 'Account' search field is shown, with a list of accounts including 'Tina' with an account number and balance ($102.39).
Select the Effective Date from the calendar.

Image description: A calendar interface is displayed, showing the month of June 2024, with the 'TODAY' date highlighted (June 20th).

If the payment is recurring, select Set Schedule.

Image description: The 'Recurrence' section shows a button labeled 'Set schedule'.
Complete the appropriate fields if Set schedule was selected.

Image description: A 'Schedule Recurring Transaction' modal window is displayed. It includes options for 'How often should this transaction repeat?' (e.g., '1st Of The Month', 'Monthly', 'Yearly') and 'When should this transaction stop?' (e.g., 'On/Before Date', 'After', 'Forever').
Select Set Recurring Transaction.

Image description: The 'When should this transaction stop?' section is shown again, with the 'Set Recurring Transaction' button at the bottom of the modal.

Adding Recipients

Select the Recipient/Account.

NOTE: For more information on adding multiple recipients, please see Adding Multiple Recipients.

Image description: The 'Recipient/Account' search interface is shown. It displays an existing recipient 'Brian' in 'Checking' with an account number. A '+ New Recipient' button is visible.

The recipient is added.

Image description: The 'ACH Batch' screen is updated to show 'Recipients (2)'. 'Brian' is listed under 'Recipient/Account' with an amount field.

If the recipient is not already in the system, select New Recipient.

Image description: The 'Recipient/Account' search interface is shown again, with the '+ New Recipient' option highlighted.
Complete the required fields.

Image description: The 'Recipient details' form is displayed, with fields for 'Display Name', 'Email Address', 'Account', 'Account Type', 'Payment Type', 'Financial Institution (FI)', and 'Routing Number'.
Enter the dollar amount.

Image description: The 'Recipient/Account' section shows 'Brian' with an amount field. A value of '0.50' is entered, and a red arrow points to the amount field.

Check Notify Recipient if you wish to notify the recipient.

Image description: The 'Recipient/Account' section shows 'Brian Savings' with an amount field and a 'Notify Recipient' checkbox.

Adding Multiple Recipients

Select Add multiple recipients.

Image description: The 'Recipients (1)' section shows a button '+ Add multiple recipients'.
Select the recipients from the menu and click Add.

Image description: The 'SELECT MULTIPLE RECIPIENT ACCOUNTS' window is displayed. It lists several recipient accounts with checkboxes. Options to 'Select All' and 'Clear All' are present, along with 'Cancel' and 'Add (0)' buttons.

Enter the dollar amount.

Image description: The 'Recipient/Account' section shows 'Brian Checking' and 'Brian Savings' with their respective amount fields, both set to '0.00'.
Check Notify Recipient if you wish to notify the recipient.

Image description: The 'Recipient/Account' section shows 'Brian Checking' with an amount of '$2.00' and 'Brian Savings' with an amount of '$1.00'. The 'Notify Recipient' checkbox is visible.

Uploading a List of Recipients

To upload a list of recipients, select Upload From File.

Image description: An 'Upload From File' button is prominently displayed. Below it, an 'Account' field shows 'INTEREST PLUS CHECKING' with an account number and balance ($110,719.28).

The File Mapping Management page displays.

Compatible file types include NACHA and CSV.

Image description: The 'File Mapping Management' screen is shown, with a section for 'SAVED FILE MAPPINGS'. It lists 'NACHA' and '5-Column-CSV' as 'System Standard' mapping types, and 'TEST' as 'Custom'. A 'New Mapping' button is also visible.

Select the ellipsis [options menu] icon to view specifications for the file type.

Image description: A dropdown menu appears after clicking the ellipsis icon. It contains options: 'Use', 'Save Recipients', and 'View Specifications'.

The Upload Guidelines displays.

ACH Batch Upload Guidelines

You can import a list of recipients and amounts from a 5-column Comma Separated Values (CSV) file to add recipients and amounts to a new ACH Batch, ACH Collection, or Payroll.

The CSV file must contain the following columns: Recipient name, Routing transit number, Account number, Account type, and Amount.
Account Type is a numeric value: Checking = 1; Savings = 2; and Loan = 3.
For 5-column imports, you will be prompted to select a SEC code, select a Pay From/Pay to account, select a Subsidiary (where applicable), and select an effective date.

Download a sample file: ACH Batch Sample File (.csv)

Download specification: ACH Batch File Specification (.pdf)

Image description: A modal window titled 'ACH Batch Upload Guidelines' contains the above information and buttons to 'OK'.

Upload the ACH Batch file and select Upload File.

Image description: Buttons for 'Cancel', 'Save Recipients', and 'Upload File' are shown.
Select Draft or Approve to continue. In this example, we selected Draft.

Image description: Buttons for 'Draft' and 'Approve' are shown. After selecting 'Draft', a notification window appears titled 'Transaction Drafted', stating 'Transaction requires 1 approval(s).' and showing 'Transaction ID: 15713' and 'Total Amount: $0.50'. It has 'Close' and 'View in Activity Center' buttons.

Select View in Activity Center.

A list of transactions and details display as well as the transaction process.

Image description: The 'Online Activity' screen is shown. It displays a 'Transaction List' with a 'Drafted' ACH Batch transaction. Below, 'TRANSACTION DETAILS' are shown, including 'PAYMENT DETAILS' (From Account, Process Date, Effective Date, SEC Code, etc.) and 'RECIPIENT DETAILS' (Name, Account, Type, Routing, Amount). The 'TRANSACTION PROCESS' flow is also visible, showing 'Drafted', 'Approval(s)', 'Authorized', and 'Processed' stages.

Accessing Approvals from the Home Page

A team member with approval permissions can access their approvals from the home page.

Select Home to go back to the Home page.

The Home page displays.

Image description: The Bank OZK Home page is shown, with navigation options including 'Home', 'Payments & Transfers', and 'Services'.

Navigate to the Transaction Approvals section in the right navigation menu.

Image description: A navigation menu on the right side of the screen shows 'Online Activity', 'Payments', 'Transfers', 'Positive Pay', and 'TRANSACTION APPROVALS'. Under 'TRANSACTION APPROVALS', an 'ACH Batch (15712)' is listed with a date and amount.
Select the ellipsis [options menu] icon and select Approve.

Image description: A dropdown menu appears after clicking the ellipsis icon next to an 'ACH Batch' transaction. The options are 'Approve', 'View Details', and 'View in Activity Center'. 'Approve' is highlighted.

Select Confirm.

Image description: A confirmation dialog titled 'Approved Transaction' asks 'Are you sure you want to approve this transaction?' with 'No' and 'Confirm' buttons.
Enter your Secure Access Token and click Verify.

Image description: A 'Secure Access Token Required' dialog is displayed, prompting the user to 'Enter token'. It has 'Cancel' and 'Verify' buttons.

The approval is successful.

Image description: An 'Approval Successful' dialog is displayed, stating 'Transaction successfully approved' and showing the transaction number and amount.

Select Close.

The transaction details are available for review.

Image description: The 'Online Activity' screen is shown again, displaying the 'Transaction List' with the 'Drafted' ACH Batch. The 'TRANSACTION DETAILS' are visible, including 'PAYMENT DETAILS' and 'RECIPIENT DETAILS'. The 'TRANSACTION PROCESS' shows the stages of the transaction, including 'Drafted', 'Approval(s)', 'Authorized', and 'Processed', with timestamps.