Businesses have recurring payments for certain things - payroll, vendor bills, rent, and some collections repeat on predictable cycles, and digital banking platforms shouldn’t ask businesses to re-enter all the information for each payment each time. Narmi's new ACH Templates and File Import change that, letting businesses configure a set of payments once and reuse it, or pull payments straight from the systems in which they are generated.
ACH remains the engine behind everyday business payments. U.S. organizations moved $86.2 trillion across 33.6 billion ACH payments in 2024, with business-to-business payments among the network's fastest-growing segments (Nacha, 2025). As that volume grows, the businesses behind it are originating more payments more often, and they expect their financial institution to make high-volume origination efficient and as effortless as possible. rather than fully manual.
For community banks and credit unions, business payments are where primary relationships are won or kept. When a company's payroll lives inside your platform, that financial institution becomes the operating system for the business’s cash flow, and the relationship becomes far harder to displace. Falling short on everyday origination is exactly what pushes commercial clients toward the largest national banks.
ACH Templates let a business save a group of payment instructions once and reuse it in seconds. A template can hold a fixed roster of recipients and accounts while leaving amounts open to change each cycle, so a monthly payroll or vendor batch is ready to send with only the variable details, like date and amount, to fill in. File Import goes a step further: a business can export a CSV or NACHA file from its accounting, ERP, or payroll system and bring those payments directly into Narmi, with smart column mapping that recognizes fields automatically and lets the user correct any flagged data inline. Both flow into the same familiar bulk payment experience and can support hundreds of payments at a time.
Because these payments move real money, control is built in rather than bolted on. Businesses can require a template to be approved before use, mitigating the risk of erroneous or fraudulent recipient changes. Every template edit creates a new version that must be approved before it takes effect, while the previous version keeps working so operations never pause. Each change carries a written explanation and a full record of who submitted it, who approved it, and what changed. Templates are archived rather than deleted so historical payments stay traceable, and every payment continues to respect the institution's existing entitlements, limits, and approval workflows.
With ACH Templates and File Import, community financial institutions can offer the same high-volume, automation-ready payments experience as the largest national banks, with the governance and auditability businesses expect. The difference is that businesses get it from a local partner that already knows them. That combination of scale and trust is how community FIs keep their most valuable commercial relationships close to home.
