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(800) 773-7100

Our Mission

City National's mission is to provide the ultimate banking experience for successful entrepreneurs and professionals through an uncommon dedication to extraordinary service, proactive advice and total financial solutions.

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  • City National Online
  • Business Online
  • Treasury Net
  • E-Deposit
  • Wholesale Lockbox

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Toll-Free (800) 599-0020
Available Monday - Friday / 5:30 a.m. to 7:00 p.m. PT

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International Automated Clearing House (ACH)

New SEC Code for International Transactions

An International ACH Transaction (IAT) is a new SEC code for ACH payments used to identify international transactions. An IAT is defined as a payment transaction involving a financial agency's office (funding or receiving) that is located outside the territorial jurisdiction of the United States AND at some point enters the United States ACH Network.

The primary reason for this change is in response to a U.S. Treasury Office of Foreign Assets Control (OFAC) request for National Automated Clearing House Association (NACHA) to align their operating rules with OFAC compliance obligations. The additional data required on the IAT will provide financial institutions the ability to better recognize international transactions and identify blocked parties. The additional addenda requirements also provide consistency with SWIFT for ease of mapping and consistency with other payment network formats.

Understanding the Impact to Your Business

If you answer YES to any of the following questions, please contact Treasury Management Client Services at (800) 599-0020.

  • Is your company a subsidiary of a multi-national company?
  • Does your company have foreign subsidiaries?
  • Does your company buy or sell to organizations or individuals outside the territorial jurisdiction of the United States?
  • Does your company send payroll, pension, or benefit payments via the ACH Network to individuals that have permanent resident addresses outside the territorial jurisdiction of the United States?

Please read our FAQ and Scenario sections and visit the Additional Resources. If you determine you may need to send an IAT, please contact Treasury Management Client Services at (800) 599-0020.

Getting Started

To sign up for a Treasury Management service or for more information, please contact us any time at cnb.com or call Treasury Management Client Services between 5:30 a.m. and 7:00 p.m. (Pacific Time) Monday through Friday (800) 599-0020.