Compare ACH Service Solutions

SBT Business Technologies is the first ACH solutions provider to roll out 3-Tier ACH support to the banking world. We now bring this model to the credit union side of things also and provide a strong alternative in that market. Corporate Credit Unions can help prevent member CU attrition rate before issues arise. Evaluate SBT's ACH online service offerings, perform due diligence, and be prepared. A little effort now (or a proactive migration) will eliminate headaches down the road for you and your member institutions.

Take a look below at the visual hierarchical diagram. In it, you will see the difference of each Tiered model.

 

3-TIER MODEL		2-TIER MODEL		1-TIER MODEL
Corporate CU's / Banker's Bank		Credit Union / Bank		Business / Corporate
FEDERAL RESERVE		FEDERAL RESERVE		FEDERAL RESERVE
CONCENTRATORS (Banker's Banks / Corporate CU's)
PROCESSORS (Banks / Credit Unions)
CLIENTS (Corporate / Small Business / Non-Profit)
LEGEND

 

Download this ACH Services Overview Comparison as a PDF document.
Or

Download an overview on how each ACH tier operates as a PDF document.

BREAKDOWN OF VISUAL HIERARCHICAL DIAGRAM

The 2-way communication is both secure and simple in all models. Our biggest compliment is "ease of use"...

3-TIER MODEL
SBT provides 2-way communication between the BUSINESS customers to the 1st level BANK / CREDIT UNION and also 2-way communication between the top-level BANK / CREDIT UNION, which then communicates with the FED.

2-TIER MODEL
SBT provides 2-way communication between the BUSINESS customers to the 1st level BANK / CREDIT UNION and then they must somehow communicate with the FED.

1-TIER MODEL
SBT's online ACH portal provides a simple way to originate or import ACH for export to file. It is then up to the BUSINESS customer to pass the ACH file on to their BANK / CREDIT UNION.