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Beulah office:
(231) 882-4462

Benzonia office:
(231) 882-4476


Same Day ACH Debits



As our financial lives move faster than ever before, our customers have come to expect faster payments and information as a core component of good service.  To that end the financial services industry has been working to modernize the systems that allow deposits and payments to move at the pace our customers expect.


 As one part of this improvement, beginning on Friday, September 15, 2017, certain electronic payments may post to our customers’ accounts the same day they are made.

Many merchants and billing companies may offer you the option to make a same-day electronic payment, such as to pay a bill or to transfer funds. If you agree, then the funds might be debited from your account as soon as that very same day. For example, if you have a bill due on the 25th of the month, the billing company might allow you to call or use its website on the morning of the 25th to make an on-time payment, and also have the funds debited from your account on the 25th. While these types of payments won’t be reflected on your account balance as quickly as your debit card and ATM transactions, you will have access to more accurate information about your actual available account balance more frequently throughout the business day.


Consumers should understand that when they authorize a merchant or biller to debit their account with their financial institution, the merchant or biller should include information or a statement about the timing of the payment.  If the merchant or biller offers the consumer the option to make a same-day payment, it might be referred to as a same-day payment or noted that the merchant or biller intends to collect the funds as quickly as possible.

If consumers have pre-authorized an electronic payment, such as a recurring mortgage or insurance payment, then very likely there will be no charge to the time that these payments are posted to their account.  As always, consumers' financial institutions will receive and post these payments normally as designated by the transaction effective date.

Consumers should always have sufficient funds in their account to cover every payment they make, authorize, or initiate, and they should frequently review their account statements and transctions.

Check your account in the afternoon to see if any new debits have come into your account.