The NACHA TOP 50 Originators Largest Financial Institution Originators of Automated Clearing House Payments, Year 2013* Rank Company Debits Credits Total Change 1 Wells Fargo & Company, San Francisco 2,445,403,415 1,344,159,060 3,789,562,475 9.0% 2 J.P. Morgan Chase & Co, New York 2,530,312,974 947,528,926 3,477,841,900 3.6% 3 Bank of America Corporation, Charlotte 1,291,264,874 984,201,051 2,275,465,925 7.4% 4 Citigroup, Inc., New York 618,440,972 149,354,544 767,795,516 0.3% 5 U.S. Bancorp, Minneapolis 321,709,046 309,656,299 631,365,345 4.5% 6 PNC Financial Services Group, Pittsburgh 374,161,316 247,729,762 621,891,078 2.4% 7 Bank of New York Mellon Corp., New York 366,031,764 174,343,923 540,375,687 -0.1% 8 Capital One Financial Corporation, McLean, Virginia 451,071,854 31,060,034 482,131,888 35.9% 9 Fifth Third Bancorp, Cincinnati 52,532,132 136,288,599 188,820,731 15.0% 10 Deutsche Bank Trust Company Americas, New York 60,975,886 111,558,399 172,534,285 14.3% 11 First National of Nebraska, Inc., Omaha 98,863,690 69,082,988 167,946,678 -6.1% 12 Northern Trust Corporation, Chicago 105,795,402 57,490,506 163,285,908 -3.0% 13 HSBC Bank USA, Wilmington, Delaware 61,258,292 97,037,065 158,295,357 -53.6% 14 BMO Harris Bank, Chicago 56,312,788 69,746,974 126,059,762 -50.7% 15 Huntington Bancshares, Inc., Columbus 102,602,939 22,815,737 125,418,676 13.5% 16 The Bancorp Bank, Wilmington, Delaware 66,536,603 47,563,869 114,100,472 89.3% 17 First Premier Bank, Sioux Falls, South Dakota 76,716,316 33,322,268 110,038,584 30.3% 18 Keycorp, Cleveland 36,215,086 65,837,174 102,052,260 -20.5% 19 SunTrust Banks, Inc., Atlanta 34,710,467 66,818,946 101,529,413 0.2% 20 RBS Citizens, Providence, Rhode Island 16,627,957 74,326,846 90,954,803 0.1% 21 Regions Financial Corporation, Birmingham 48,086,375 37,538,929 85,625,304 -13.7% 22 USAA Federal Savings Bank, San Antonio 70,237,958 11,006,657 81,244,615 6.5% 23 M&T Bank Corporation, Buffalo 37,261,000 32,218,038 69,479,038 4.2% 24 UnionBanCal Corporation, San Francisco 45,735,839 23,479,281 69,215,120 -0.5% 25 UMB Financial Corporation, Kansas City, Missouri 42,640,706 22,107,820 64,748,526 4.3% 26 Comerica, Inc., Dallas 19,284,412 41,880,958 61,165,370 10.3% 27 Synovus Financial Corp., Columbus, Georgia 16,963,329 39,567,146 56,530,475 7.0% 28 State Street Corporation, Boston 13,528,277 41,026,298 54,554,575 -1.0% 29 BB&T Corporation, Winston-Salem 23,858,740 29,278,104 53,136,844 11.1% 30 Zions Bancorporation, Salt Lake City 19,072,534 24,578,537 43,651,071 8.7% 31 TD Bank, Wilmington, Delaware 19,908,641 23,019,977 42,928,618 6.5% 32 Westamerica Bancorporation, San Rafael, California 25,655,057 11,859,203 37,514,260 -24.7% 33 Merrick Bank, South Jordan, Utah 15,996,308 20,092,499 36,088,807 3.1% 34 First Horizon National Corporation, Memphis 12,554,348 23,294,866 35,849,214 6.7% 35 Santander Bank N.A., Wilmington, Delaware 6,053,896 28,505,348 34,559,244 4.4% 36 BOK Financial Corporation, Tulsa 19,887,016 8,958,825 28,845,841 4.9% 37 BancWest Corporation, San Francisco 14,395,535 12,851,658 27,247,193 -2.7% 38 MetaBank, Storm Lake, Iowa 4,710,502 21,759,736 26,470,238 -4.6% 39 BBVA Compass, Birmingham 15,861,163 10,222,687 26,083,850 9.7% 40 Commerce Bancshares, Inc., Kansas City, Missouri 11,818,260 13,311,260 25,129,520 11.6% 41 Commerce Bancshares Corp., Worcester, Massachusetts 2,062,344 20,343,618 22,405,962 5.2% 42 Credit One Bank, Las Vegas N/A N/A 22,033,271 29.3% 43 NCAL Bancorp, Los Angeles 18,709,931 2,108,704 20,818,635 -26.5% 44 OptumHealth Bank, Inc., Salt Lake City N/A N/A 20,352,426 19.3% 45 Webster Financial Corp., Waterbury, Connecticut 15,171,283 3,722,588 18,893,871 45.3% 46 Central Bancompany, Jefferson City, Missouri 6,110,322 11,546,627 17,656,949 -1.1% 47 Cullen/Frost Bankers, Inc., San Antonio 8,068,263 9,524,452 17,592,715 1.7% 48 Centrabanc Corporation, Waco, Texas 15,051,383 585,581 15,636,964 7.4% 49 First Citizens Bancshares, Inc., Raleigh, North Carolina 6,307,594 6,929,643 13,237,237 5.5% 50 North American Banking Company, Roseville, Minnesota N/A N/A 10,823,289 49.3% * By holding company as applicable; volumes do not include on-us transactions. Copyright © 2014 by NACHA - The Electronic Payments Association