As of September 15,2017, Automated Clearing House (ACH) debits will be processed multiple times per day.  Currently only electronic credits made with your routing number and account number are posted several times a day. After September 15, all electronic debit transactions will be posted to your account multiple times per day as well.  This conversion to “same day ACH debits” will enable you to have opportunities to make bill payments faster with fewer delays.  Because the payments are moving faster, be aware that debits can post to your account as soon as the same day a payment is initiated.  If funds are not in your account when a payment is initiated, a fee may occur.  You can keep track of your account with one of our helpful services.  We offer online banking, MARS Audio Response, and the Touch Banking Mobile App.  If you have any questions or concerns regarding same day ACH transactions, please contact the HarborLight Accounting department at (231)894-5608, Ext. 237 or 233.