We had to write jobs to encrypt the NACHA files and send over FTP years ago, but I was at the same company long enough (prior to 2010) to see the banks at least

We had to write jobs to encrypt the NACHA files and send over FTP years ago, but I was at the same company long enough (prior to 2010) to see the banks at least adopt SFTP. Slightly better, but still encrypted the files. Hey, it works and is reliable. I learned banks are really cheap, though, definitely not in the mood to spend money on new systems/processes even if they'd improve productivity.