ACH Holiday Communication<\/title>\n <style type=\"text\/css\">.rollover:hover .rollover-first {\n max-height:0px!important;\n display:none!important;\n}\n.rollover:hover .rollover-second {\n max-height:none!important;\n display:block!important;\n}\n.rollover span {\n font-size:0px;\n}\nu + .body img ~ div div {\n display:none;\n}\n#outlook a {\n padding:0;\n}\nspan.MsoHyperlink,\nspan.MsoHyperlinkFollowed {\n color:inherit;\n mso-style-priority:99;\n}\na.t {\n mso-style-priority:100!important;\n text-decoration:none!important;\n}\na[x-apple-data-detectors],\n#MessageViewBody a {\n color:inherit!important;\n text-decoration:none!important;\n font-size:inherit!important;\n font-family:inherit!important;\n font-weight:inherit!important;\n line-height:inherit!important;\n}\n.h {\n display:none;\n float:left;\n overflow:hidden;\n width:0;\n max-height:0;\n line-height:0;\n mso-hide:all;\n}\n@media only screen and (max-width:600px) {.bi { padding-right:0px!important } *[class=\"gmail-fix\"] { display:none!important } p, a { line-height:150%!important } h1, h1 a { line-height:120%!important } h2, h2 a { line-height:120%!important } h3, h3 a { line-height:120%!important } h4, h4 a { line-height:120%!important } h5, h5 a { line-height:120%!important } h6, h6 a { line-height:120%!important } .bf p { } h1 { font-size:30px!important; text-align:left } h2 { font-size:24px!important; text-align:left } h3 { font-size:20px!important; text-align:left } h4 { font-size:24px!important; text-align:left } h5 { font-size:20px!important; text-align:left } h6 { font-size:16px!important; text-align:left } .bf p, .bf a { font-size:15px!important } .z .rollover:hover .rollover-second, .ba .rollover:hover .rollover-second, .bb .rollover:hover .rollover-second { display:inline!important } .m table, .n table, .o table, .m, .o, .n { width:100%!important; max-width:600px!important } .adapt-img { width:100%!important; height:auto!important } .h-auto { height:auto!important } .img-5719 { width:155px!important } .c .d, .c .d * { font-size:10px!important; line-height:150%!important } .a .b, .a .b * { font-size:18px!important } }\n@media screen and (max-width:384px) {.mail-message-content { width:414px!important } }<\/style>\n <\/head>\n <body data-new-gr-c-s-loaded=\"14.1190.0\" class=\"body\" style=\"width:100%;height:100%;-webkit-text-size-adjust:100%;-ms-text-size-adjust:100%;padding:0;Margin:0\">\n <div dir=\"ltr\" class=\"es-wrapper-color\" lang=\"en\" style=\"background-color:#F6F6F6\">\n <table width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" class=\"es-wrapper\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;padding:0;Margin:0;width:100%;height:100%;background-repeat:repeat;background-position:center top;background-color:#F6F6F6\">\n <tr>\n <td valign=\"top\" style=\"padding:0;Margin:0\">\n <table cellspacing=\"0\" cellpadding=\"0\" align=\"center\" class=\"m\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;width:100%;table-layout:fixed !important\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0\">\n <table cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#ffffff\" align=\"center\" class=\"bf\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;background-color:#FFFFFF;width:600px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:600px\">\n <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0;font-size:0\"><a target=\"_blank\" href=\"https:\/\/banescousa.com\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:15px\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/banner-green-banesco.png\" alt=\"\" width=\"600\" class=\"adapt-img\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/a><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-top:5px;padding-right:20px;padding-left:20px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n \n <tr>\n <td align=\"center\" class=\"bi\" style=\"padding:0;Margin:0;padding-top:30px;;font-size:0\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/logo.png\" alt=\"\" width=\"136\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/td>\n <\/tr>\n <tr>\n <td align=\"center\" class=\"a\" style=\"Margin:0;padding-top:30px;padding-right:28px;padding-bottom:20px;padding-left:28px\"><p class=\"b\" style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:27px;letter-spacing:0;color:#097654;font-size:24px\"><strong>ACH Schedule for December 24 and December 31 Remains Unchanged<\/strong><\/p>\n \n <\/td>\n <\/tr>\n <tr>\n <td align=\"left\" class=\"a\" style=\"Margin:0;padding-top:0px;padding-right:28px;padding-bottom:35px;padding-left:28px\">\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">We are here to support your year-end operations! As we approach the holidays, we want to confirm that ACH cutoff times on December 24 and December 31 remain unchanged at 12 PM for Same-Day ACH and 2 PM for Next-Day ACH. You may submit your files at any time up to these standard cutoffs, though we encourage you to send them as soon as they are ready to ensure a smooth process.<\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">Please also take a moment to verify that your “Effective Dates” fall on open business days. Any files transmitted after the cutoff times or dated for December 25 or January 1 will settle on the following business day.<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">We hope this information helps you navigate the busy holiday season with ease.<\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:26px;letter-spacing:0;color:#097654;font-size:22px\">Top Tips for a Stress-Free Holiday<\/p>\n <ul style=\"font-family:arial, 'helvetica neue', helvetica, sans-serif;padding:0px 0px 0px 40px;margin-top:15px;margin-bottom:15px\">\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px; padding-right: 8px;\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px;mso-margin-top-alt:15px\"><strong>Beat the Rush: <\/strong>Aim to submit your payment files <strong>at least one business day earlier<\/strong> than usual. It\u2019s the best way to ensure peace of mind.<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong> Payroll Heads-Up: <\/strong>If you use an outside payroll provider, they might have their own early deadlines. It\u2019s worth a quick check-in with them this week.<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Communication is Key: <\/strong>If a vendor payment is going to arrive a day later than usual due to the bank holiday, a quick note to let them know is always appreciated.<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Fund Early:<\/strong> With the busy season, remember to ensure your accounts are funded and ready for your scheduled transfers a day or two in advance.<\/p><\/li>\n <\/ul><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br>Should you have any queries or require assistance, please feel free to reach out to our Treasury Management team. We’re here to help.<\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><a href=\"mailto:tm@banescousa.com\" target=\"_blank\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#333333;font-size:15px\" rel=\"noopener\"><br>tm@banescousa.com<\/a> | <a href=\"customerservice@banescousa.com\" target=\"_blank\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#333333;font-size:15px\" rel=\"noopener\">customerservice@banescousa.com<\/a><\/p><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:600px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" height=\"100%\" width=\"100%\" style=\"padding:0;Margin:0;padding-top:5px;padding-bottom:5px;font-size:0\">\n <table cellspacing=\"0\" border=\"0\" width=\"100%\" height=\"100%\" cellpadding=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td style=\"padding:0;Margin:0;padding-left:40px;border-bottom:1px solid #edf0f6;background:unset;height:0px;width:140%;margin:0px\"><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-top:10px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0;font-size:0px\"><a target=\"_blank\" href=\"https:\/\/banescousa.com\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:15px\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/logo.png\" alt=\"\" width=\"136\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/a><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-top:10px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:19.5px;letter-spacing:0;color:#24467a;font-size:13px;text-align:center\">banescousa.com<\/p><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td \n style=\"padding: 20px 20px 6px 20px; font-size: 10px; color:#717171; margin:0; line-height: 15px; font-family: Arial, Helvetica, sans-serif; text-align: center;\">\n <p style=\"color: #717171; text-align: center; font-size: 10px; margin: 0;\"\n >Banesco USA, 3155 NW 77th Ave, Miami, FL 33122<br>\nPlease do not reply to this message via email. If you have any questions, please contact your account officer, email customerservice@banescousa.com, or call the Client Care Center at (888) 228-1597.<br>\nThe translation of this email from English is provided for convenience only. The English language version of this email is the official version, and in the event of a conflict between this translation and the English language version, the terms of the English language version shall prevail.<br>\nTo contact us regarding the content of this email, please use the contact information provided in the original message.<\/p>\n <p style=\"margin: 24px; text-align: center; font-size: 10px;color:#717171;\">\u00a9 2025\n Banesco USA. 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{"id":18815,"date":"2025-12-22T11:45:43","date_gmt":"2025-12-22T15:45:43","guid":{"rendered":"http:\/\/multisitetest.local\/?page_id=18815"},"modified":"2026-10-06T10:27:58","modified_gmt":"2026-10-06T14:27:58","slug":"ach-holiday-communication-email","status":"publish","type":"page","link":"https:\/\/banescousa.com\/ach-holiday-communication-email\/","title":{"rendered":"ACH Holiday Communication – Email"},"content":{"rendered":"\n\n\n \n \n \n \n \n \n ACH Holiday Communication<\/title>\n <style type=\"text\/css\">.rollover:hover .rollover-first {\n max-height:0px!important;\n display:none!important;\n}\n.rollover:hover .rollover-second {\n max-height:none!important;\n display:block!important;\n}\n.rollover span {\n font-size:0px;\n}\nu + .body img ~ div div {\n display:none;\n}\n#outlook a {\n padding:0;\n}\nspan.MsoHyperlink,\nspan.MsoHyperlinkFollowed {\n color:inherit;\n mso-style-priority:99;\n}\na.t {\n mso-style-priority:100!important;\n text-decoration:none!important;\n}\na[x-apple-data-detectors],\n#MessageViewBody a {\n color:inherit!important;\n text-decoration:none!important;\n font-size:inherit!important;\n font-family:inherit!important;\n font-weight:inherit!important;\n line-height:inherit!important;\n}\n.h {\n display:none;\n float:left;\n overflow:hidden;\n width:0;\n max-height:0;\n line-height:0;\n mso-hide:all;\n}\n@media only screen and (max-width:600px) {.bi { padding-right:0px!important } *[class=\"gmail-fix\"] { display:none!important } p, a { line-height:150%!important } h1, h1 a { line-height:120%!important } h2, h2 a { line-height:120%!important } h3, h3 a { line-height:120%!important } h4, h4 a { line-height:120%!important } h5, h5 a { line-height:120%!important } h6, h6 a { line-height:120%!important } .bf p { } h1 { font-size:30px!important; text-align:left } h2 { font-size:24px!important; text-align:left } h3 { font-size:20px!important; text-align:left } h4 { font-size:24px!important; text-align:left } h5 { font-size:20px!important; text-align:left } h6 { font-size:16px!important; text-align:left } .bf p, .bf a { font-size:15px!important } .z .rollover:hover .rollover-second, .ba .rollover:hover .rollover-second, .bb .rollover:hover .rollover-second { display:inline!important } .m table, .n table, .o table, .m, .o, .n { width:100%!important; max-width:600px!important } .adapt-img { width:100%!important; height:auto!important } .h-auto { height:auto!important } .img-5719 { width:155px!important } .c .d, .c .d * { font-size:10px!important; line-height:150%!important } .a .b, .a .b * { font-size:18px!important } }\n@media screen and (max-width:384px) {.mail-message-content { width:414px!important } }<\/style>\n <\/head>\n <body data-new-gr-c-s-loaded=\"14.1190.0\" class=\"body\" style=\"width:100%;height:100%;-webkit-text-size-adjust:100%;-ms-text-size-adjust:100%;padding:0;Margin:0\">\n <div dir=\"ltr\" class=\"es-wrapper-color\" lang=\"en\" style=\"background-color:#F6F6F6\">\n <table width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" class=\"es-wrapper\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;padding:0;Margin:0;width:100%;height:100%;background-repeat:repeat;background-position:center top;background-color:#F6F6F6\">\n <tr>\n <td valign=\"top\" style=\"padding:0;Margin:0\">\n <table cellspacing=\"0\" cellpadding=\"0\" align=\"center\" class=\"m\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;width:100%;table-layout:fixed !important\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0\">\n <table cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#ffffff\" align=\"center\" class=\"bf\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;background-color:#FFFFFF;width:600px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:600px\">\n <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0;font-size:0\"><a target=\"_blank\" href=\"https:\/\/banescousa.com\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:15px\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/banner-green-banesco.png\" alt=\"\" width=\"600\" class=\"adapt-img\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/a><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-top:5px;padding-right:20px;padding-left:20px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n \n <tr>\n <td align=\"center\" class=\"bi\" style=\"padding:0;Margin:0;padding-top:30px;;font-size:0\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/logo.png\" alt=\"\" width=\"136\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/td>\n <\/tr>\n <tr>\n <td align=\"center\" class=\"a\" style=\"Margin:0;padding-top:30px;padding-right:28px;padding-bottom:20px;padding-left:28px\"><p class=\"b\" style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:27px;letter-spacing:0;color:#097654;font-size:24px\"><strong>ACH Schedule for December 24 and December 31 Remains Unchanged<\/strong><\/p>\n \n <\/td>\n <\/tr>\n <tr>\n <td align=\"left\" class=\"a\" style=\"Margin:0;padding-top:0px;padding-right:28px;padding-bottom:35px;padding-left:28px\">\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">We are here to support your year-end operations! As we approach the holidays, we want to confirm that ACH cutoff times on December 24 and December 31 remain unchanged at 12 PM for Same-Day ACH and 2 PM for Next-Day ACH. You may submit your files at any time up to these standard cutoffs, though we encourage you to send them as soon as they are ready to ensure a smooth process.<\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">Please also take a moment to verify that your “Effective Dates” fall on open business days. Any files transmitted after the cutoff times or dated for December 25 or January 1 will settle on the following business day.<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">We hope this information helps you navigate the busy holiday season with ease.<\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:26px;letter-spacing:0;color:#097654;font-size:22px\">Top Tips for a Stress-Free Holiday<\/p>\n <ul style=\"font-family:arial, 'helvetica neue', helvetica, sans-serif;padding:0px 0px 0px 40px;margin-top:15px;margin-bottom:15px\">\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px; padding-right: 8px;\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px;mso-margin-top-alt:15px\"><strong>Beat the Rush: <\/strong>Aim to submit your payment files <strong>at least one business day earlier<\/strong> than usual. It\u2019s the best way to ensure peace of mind.<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong> Payroll Heads-Up: <\/strong>If you use an outside payroll provider, they might have their own early deadlines. It\u2019s worth a quick check-in with them this week.<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Communication is Key: <\/strong>If a vendor payment is going to arrive a day later than usual due to the bank holiday, a quick note to let them know is always appreciated.<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;mso-margin-bottom-alt:15px;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Fund Early:<\/strong> With the busy season, remember to ensure your accounts are funded and ready for your scheduled transfers a day or two in advance.<\/p><\/li>\n <\/ul><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br>Should you have any queries or require assistance, please feel free to reach out to our Treasury Management team. We’re here to help.<\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><a href=\"mailto:tm@banescousa.com\" target=\"_blank\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#333333;font-size:15px\" rel=\"noopener\"><br>tm@banescousa.com<\/a> | <a href=\"customerservice@banescousa.com\" target=\"_blank\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#333333;font-size:15px\" rel=\"noopener\">customerservice@banescousa.com<\/a><\/p><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:600px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" height=\"100%\" width=\"100%\" style=\"padding:0;Margin:0;padding-top:5px;padding-bottom:5px;font-size:0\">\n <table cellspacing=\"0\" border=\"0\" width=\"100%\" height=\"100%\" cellpadding=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td style=\"padding:0;Margin:0;padding-left:40px;border-bottom:1px solid #edf0f6;background:unset;height:0px;width:140%;margin:0px\"><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-top:10px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0;font-size:0px\"><a target=\"_blank\" href=\"https:\/\/banescousa.com\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:15px\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/logo.png\" alt=\"\" width=\"136\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/a><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-top:10px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:19.5px;letter-spacing:0;color:#24467a;font-size:13px;text-align:center\">banescousa.com<\/p><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <tr>\n <td \n style=\"padding: 20px 20px 6px 20px; font-size: 10px; color:#717171; margin:0; line-height: 15px; font-family: Arial, Helvetica, sans-serif; text-align: center;\">\n <p style=\"color: #717171; text-align: center; font-size: 10px; margin: 0;\"\n >Banesco USA, 3155 NW 77th Ave, Miami, FL 33122<br>\nPlease do not reply to this message via email. If you have any questions, please contact your account officer, email customerservice@banescousa.com, or call the Client Care Center at (888) 228-1597.<br>\nThe translation of this email from English is provided for convenience only. The English language version of this email is the official version, and in the event of a conflict between this translation and the English language version, the terms of the English language version shall prevail.<br>\nTo contact us regarding the content of this email, please use the contact information provided in the original message.<\/p>\n <p style=\"margin: 24px; text-align: center; font-size: 10px;color:#717171;\">\u00a9 2025\n Banesco USA. Member FDIC.<\/p>\n <\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/body>\n<\/html>\n\n\n<style>\n\t\r\n #main {\r\n padding-top: 0px;\r\n }\r\n<\/style>","protected":false},"excerpt":{"rendered":"<p>ACH Holiday Communication ACH Schedule for December 24 and December 31 Remains Unchanged We are here to support your year-end operations! 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