Prior to the initiation of the first ACH entry to an ACH receiver or the ACH receiver’s account with an RDFI, an ACH originator may, at its option, deliver or send a pre-notification through an ODFI to its ACH operator for transmittal to the appropriate RDFI. The pre-notification provides notice to the RDFI that the originator intends to initiate one or more entries to that receiver’s account in accordance to the receiver’s authorization.