A Pre-Note ACH Transaction is a $0.00 single entry that can be sent to verify the account information entered and/or uploaded to our Online Banking system is an active, live account. These are highly recommended, but not required. If creating a pre-note file or entry, it must be sent a minimum of three business days before the first “live” transaction, by regulation. This will allow the pre-note to process and, if necessary, be returned.