Standard ACH payments can still take up to four days. First Internet Bank is stepping up to fill that breach with its “high-fidelity ACH” system, wherein the bank sends out test messages with each large payments file (like a “canary in a coal mine”) to ensure when those transactions are being received by the Federal Reserve. In turn, this gives business customers a bird’s-eye view to track those transactions via an application dashboard. Hence, the bank’s business customers, such as Check and Ramp — which are piloting the service — can see exactly when payments clear, and reliably guarantee that their end customers (payroll recipients) are getting their money on time. First Internet Bank has been working with Increase for more than two years in developing and rolling out an ACH system that helps business customers continue to reliably deliver their own payments on-time while offering a clear view of how the payments are progressing on an Increase-developed application and when they hit at the receiving depository financial institution, or RDFI. There have been “a series of improvements,” according to Lorch, as the bank and the Bend, a fintech startup have refined their approach and the technology. For his part, CEO and founder of First Internet Bank’s technology partner Increase, Darragh Buckley, sees his company’s facilitation of ACH payments as more of a means of building improvement on the existing system, rather than trying to rip out the entire network and try to start anew. “No one really wants excitement in their payroll,” said Buckley, who previously was employee No. 1 at digital payments giant Stripe. “We want it all to progress boringly [so that] the payroll client knows they have done their job [and] can sleep better at night.”