Bremer eACH
Technical
Security
Prefunding
Frequently Asked Questions - Bremer eACH
What is Bremer eACH?
Bremer eACH is an ACH origination software allowing clients to easily initiate ACH transactions through their web browser or accept a NACHA formatted file. Typical ACH transactions are:
- Direct deposit of payroll
- Cash concentration and disbursement
- Consumer debits and credits
- Federal and State Tax Payments
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How do I sign up for Bremer eACH, get assistance with accessing the application or report system errors?
Contact your local Treasury Management Representative or Business Banker with enrollment, access and system questions.
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How do I access the Bremer eACH system?
Once you have signed up for Bremer eACH, a Welcome letter will be sent to you that walks you through the steps for getting started.
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Will I need a separate password for Bremer eACH or can I use my online banking password?
Yes, these are two separate systems, each requiring their own security codes. These codes are included in the Welcome letter.
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What are eACH Alerts?
Alerts are automated system generated messages sent via email to inform or remind you that a file has been created, but not yet released. There are two types of alerts available – Summary and Intraday. For more information regarding eACH Alerts, contact your Treasury Management Representative.
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Frequently Asked Questions - Technical
What software or hardware will I need?
To access Bremer eACH, you will need a computer with Internet access. As part of Bremer’s updated security process, you will receive a hardware token which is needed to login to Bremer eACH. Instructions for enabling the token will be included in your Welcome letter.
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How do I change or reset my password for Bremer eACH?
If you want to change your password, follow these instructions:
- Log on to Bremer eACH
- Click on Setup
- Click on Change My Password
- Follow the prompts on the screen
Bremer has implemented password standards to help secure your information. Passwords are required to be a minimum of 8 characters, including both letters and numbers. Bremer eACH will also require you to change your password every 60 days. If you forget your password, contact Bremer Business Client Services at 1-800-537-0091, Option 1, Monday through Friday 8 a.m. to 5 p.m. to have your password reset.
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How do I activate the token I received in the mail?
Go to the main eACH Login Page and click on the “Token Enablement” link at the top of the page. This will walk you through the process and allow you to log in to Bremer eACH using your token.
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I can’t log in! The application is asking me for a “PASSCODE” and I don’t have one.
You must activate your Bremer Secure Access eACH hardware token before logging in for the first time. Return to the main login page at Bremer eACH and click on the “Token Enablement” link at the top of the page. You should have received a token and a Welcome letter in the mail with instructions on how to complete the enablement process.
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What is my Activation Code?
The Activation Code is the third piece of information the system uses to verify and activate your token. Your Activation Code is listed in the password letter mailed by Bremer Bank.
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Why do I sometimes receive errors when I use my back and forward buttons in my browser?
Due to security requirements, there are some instances where we prevent pages from being saved to your computer's hard drive or kept in your computer's memory. In these cases, you will receive a browser error message asking you to "repost" or "reload" the page. Simply click the browser's Refresh button.
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Frequently Asked Questions - Security
Is Bremer eACH secure and confidential?
Bremer has taken extensive measures to ensure clients can access their business account information securely and safely anytime. We have the systems and strategies in place to effectively manage any risks of doing business over the Web.
Bremer recommends clients follow tips below to help protect themselves:
- Never give out your user ID and password to anyone or write it down and identify it as your password.
- Never use an obvious password or a password that could be easily guessed, such as the name of your company, spouse, or street address.
- It is important to log off of Bremer eACH once you have completed your session. If there has been no activity for 10 minutes, your session will automatically terminate as an additional security measure.
- You can specifically and individually define access levels, limits, and capabilities of each employee-user in the eACH system. Contact your local Treasury Management Representative to adjust employee use.
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Frequently Asked Questions - Prefunding
What time during the day are ACH files processed?
Bremer processes files at 6:00 a.m., 11:00 a.m., 5:30 p.m. and 7:30 p.m. CT each day. It is at these processing times when the available balance in the checking account is compared to the amount of the ACH file.
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How can I see if the prefunded ACH file has been processed?
Log in to online banking and access the designated funding checking account to see when the prefunded ACH file is processed.
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If the available balance in the checking account is less than the amount of the ACH file, will the ACH file still be processed?
Available funds to cover the entire prefunded ACH file must be in the checking account at the time the file is processed. In this situation, the file will suspend and a non-funded email notification sent to the designated contacts at the business. Refer to the non-funded files section in the Prefunding Guide for more details.
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Do I need to resend a file after the first attempt if available funds were not in the designated funding checking account?
Bremer will attempt to process the ACH file for a maximum of two business days. If attempts during those two business days fail, the file cannot be processed and will be deleted. An email notification will be sent to the designated contacts at your business stating: We have attempted to process your prefunded ACH file for the prior two business days. Your file has been deleted. Once you have corrected the issue, you will need to create and send a new file for processing.
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What online banking balance should I use to determine if there are available funds in the account to cover the ACH file?
Reference the Anticipated Available Balance found in the Available Funds section of online banking.
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How many days in advance of the effective entry date should an ACH file be sent?
Bremer recommends that a file be sent two business days prior to the effective entry date. When submitting a file one day in advance, submit the file prior to 11:00 a.m. CT to ensure it is processed as expected.
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If an ACH file is submitted three days in advance of the effective entry date, will I still have access to those funds until the file is processed?
Once a file is submitted and processed, the funds will be set aside (memo-posted) in the account until the effective entry date. These funds would not be available to use for other transactions.
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How do I ensure the designated funding accounts has enough funds to cover the prefunded ACH file if there are check cashed at the teller line or wire and ACH items coming out of the account during the day?
Consider checks outstanding, wire transfer and ACH activity before submitting your prefunded ACH file. It is also a best practice to validate the account balance prior to the processing times.
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Will a confirmation email be sent after a file is processed?
Prefunded files that are submitted and processed will not receive a notification. If a prefunded file has issues, you will receive an email indicating the error. Once the error is resolved, you will receive a notification that the file was processed successfully. Refer to the non-funded files section in the Prefunding Guide for more details.
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