Kotapay Insights

Windowless Payroll by Kotapay
Few would dispute that payroll will be an early and perhaps the largest adopter of real-time payments. We look forward to launching what we call Windowless Payroll in summer of 2024.
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FIBT Named to Nacha Top 50 ACH Originator List for 2023
Nacha recognized FIBT as the #41-ranked originator by volume in the nation. In 2023, Kotapay, FIBT's payments division, processed 64 million transactions.
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Choose a Banking Partner with Strong BSA/AML Policies
The importance of having strong BSA/AML policies is clear – but such policies don’t just safeguard a financial institution.
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Payments Expert image with Chief Payments Officer, Trent Sorbe
Everyone is Talking About Real-Time Payments
What could real-time payments mean for your business? Learn more about real-time payments and how Kotapay is planning for the future of payments.
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Welcome Trent Sorbe
Trent Sorbe Joins First International Bank & Trust
We are excited to welcome Trent Sorbe to First International Bank & Trust’s Executive Team! Sorbe will serve as Chief Payments Officer.
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Celebrating 30th anniversary
30 Years of ACH Payment Processing and Industry Expertise
Thank you to our customers and employees for their support and trust in Kotapay!
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Trusted banking with Steve Stenehjem
Trusted Banking Since 1910: First International Bank & Trust
Since our humble beginnings in 1910, First International Bank & Trust has grown from a single bank in Arnegard, North Dakota to more than 30 branches spanning four states.
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Kotapay named to Nacha's Top 50 ACH originators
Kotapay Named to Nacha's 2022 Top ACH Originators List
Kotapay, First International Bank & Trust’s payment department, was recently named to Nacha’s Top 50 ACH Originators List for 2022.
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ACH Network Experiences Continued Growth in 2022
The ACH Network, which is the payment system that allows consumers, businesses, and other organizations to electronically move money, is continuing to grow on a massive scale.
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Industry News
What are the Nacha Operating Rules & Guidelines?
In 1974, Nacha, the National Automated Clearinghouse Association, created the Nacha Operating Rules to ensure that millions of payments occur smoothly and securely each day.
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What is a payroll card and how do they work?
Paycards are a type of payment especially useful for non-traditional workers such as those who work multiple gig jobs or manage their finances outside of banks.
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Connecticut Releases Advisory on Money Transmission
Learn more about the Connecticut Department of Banking’s recent advisory on money transmission and statewide licensing requirement.
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How To Spot and Avoid Phishing Attempts Via Spoofed Websites
Things online are not always what they seem. A website may looks legitimate, but it could be a fake webpage made by a fraudster in order to steal your information.
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Fraud Detection Systems to Help Protect Your Business
With over 30 years of experience in the industry, Kotapay has developed a robust system for collecting fraudulent bank account information.
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Protect Yourself from Holiday Email Scams
Kotapay recommends businesses follow these steps to protect themselves from business email compromise.
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