New ACH Upgrade Video Tutorials & Resources

Upgraded ACH Coming Soon!

As you may have seen in our recently mailed announcement, we’re excited to share some great news.

On Thursday, February 5th, 2026, we are upgrading the Bank of Oak Ridge personal and business mobile and online banking platforms, which include enhancements to your ACH and cash management services. These upgrades include:

Easier Templates

Create participant groups and global group templates.

More Secure

Review limit thresholds and batch restrictions for select employees.

New Enhancements

Robust downloadable reports and quick one-time payments.

There are a few important updates to ACH and cash management services that will take effect on Thursday, February 5th:

  • Participants: All previous participants will carry over to the upgraded online banking platform.
  • Templates: Templates, amount and frequency paid will not migrate to the upgraded platform.
  • Batches: Batches created prior to conversion will not migrate to the upgraded platform. All batches must be re-initiated.

Important Steps to Prepare for the Upgrade

The quick and easy video tutorials below will guide you through a first look and the updates and features, as well as the steps you should take to prepare for the upgrade.

To download your current templates to your computer, simply follow these steps:

      1. Log into online banking at BankofOakRidge.com
      2. Select the ‘Cash Management’ tab
      3. Select ‘View ACH Templates’
      4. Check the box of the template you plan to download
      5. Click the down carrot under the ‘Actions’ tab
      6. Select ‘Export ACH’ and then ‘Go’
      7. Download and save each template in a secure, easy-to-remember location so it is ready to upload to the new system.

Important: Current participant & business information will carry over, but templates will not. If you are unable to download the templates from the current system before Friday, January 30th, 2026, templates will no longer be retrievable. Templates can be easily re-built on the upgraded platform.

 

After logging in, you’re ready to upload your saved templates as well as NACHA and CSV files from online banking. Please see below for additional details.

    • NACHA File Import: If you import a NACHA File, you’re all set! There are no additional steps necessary.
    • ACH File in CSV Format: If you import your ACH file in a CSV format, please ensure your accounting software includes the below fields. All fields are required unless indicated as optional.
    • Enter Direct in Online Banking: If you enter ACH information into online banking directly, please use the below fields from your participant to create a new ACH batch.

Import Fields

1. Participant Name
2. Participant Nickname
3. Institution Name
Do not include a comma in the name as this will cause the import to fail.
(e.g., Wells Fargo, NA must be entered as Wells Fargo NA)
4. Participant Routing Number
5. Participant Account Number
6. Participant Account Type
The following values must be used to represent the appropriate type of account:
0 = Checking, 1 = Savings, 2 = General Ledger, 3 = Loan
7. Participant Status
Active or Hold
8. Participant Group (Optional)
0-40 Characters
9. Participant Discretionary Data (Optional)
0-2 characters
10. Amount
Number with no dollar sign, decimals required if it includes cents.
11. Hold – TRUE or FALSE. (Optional)
Defaults to FALSE if no entry is provided.
12. Prenote – True or False. (Optional)
Defaults to FALSE if no entry is provided.
13. Addenda (Optional)
If you use the Addenda Field, enter a maximum of 80 characters.

Download the Reference Guides

These reference guides provide helpful instructions for managing Business Users and using the Cash Management ACH system. Download them anytime as a quick, reliable resource.

Managing Business Users Guide

Cash Management: ACH Manual

We’re here to help. If you have questions, please contact Tammy Barbee or Jennifer Stetler.

ACH Video Tutorials