Cash Management

Move Money on Your Schedule

ACU's secure, web-based ACH origination lets your business send direct deposit payroll, vendor payments, and other credit entries right from Online Banking, on your timeline, not the mail's.

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Smiling man working on a laptop in a bright office
Same Day
File Debit
NACHA
File Support
Custom
Transaction Limits
Built-In
Fraud Prevention
How ACH Origination Works

Send Payments Straight From Online Banking

Direct deposit payroll and vendor payments, transmitted securely on your schedule, with the tools and safeguards your business needs built right in.

Secure Web-Based ACH

Payroll and Vendor Payments, on Your Timeline

ACU's secure web-based Automated Clearing House (ACH) origination service transmits credits for direct deposit of payroll, vendor payments, or other remittance-type credit entries, available inside Online Banking. Transaction limits are customized to your business's needs. Funds are debited the day the file is transmitted, eliminating the need to reconcile outstanding withdrawals.

  • Direct deposit payroll and vendor payments
  • Available within ACU Online Banking
  • Transaction limits customized to your business
  • Funds debited the day the file transmits
Talk to Our Team
Same Day
File Debit
Custom
Transaction Limits
Credits
Payroll and Vendors
In-App
Inside Online Banking
Easy to Use, Easy to Integrate

Intuitive Screens and NACHA Pass-Through

The internet-based application has intuitive data entry screens and is easy to use. Robust import and export capabilities integrate with your desktop systems, and a pass-through feature is available for pre-formatted NACHA files. Files upload quickly and securely from your desktop with summary reports, or use transaction templates with detailed reports on originated files. Dynamic online help is available for all aspects of the system.

  • Intuitive data-entry screens
  • Import and export with desktop systems
  • Pass-through for pre-formatted NACHA files
  • Upload from desktop with summary and detailed reports
  • Dynamic online help throughout
Explore Online Banking
NACHA
Pass-Through Files
Import
Desktop Integration
Reports
Summary and Detailed
Help
Dynamic Online Guidance
Security and Compliance Built In

Fraud Prevention on Every File

The service includes a variety of security features to prevent fraud, plus free software to reduce the risk of fraudulent file transmittals. Flexible administration allows various levels for SEGs and business members, and the software is maintained and updated for regulatory compliance.

  • Multiple fraud-prevention features
  • Free software to reduce fraudulent transmittals
  • Flexible multi-level administration
  • Maintained and updated for regulatory compliance
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Multi
Fraud Safeguards
Free
Anti-Fraud Software
Levels
SEG and Member Admin
Compliant
Maintained and Updated
Why Business Members Choose ACU ACH

Everything You Need to Move Money

Originate credit entries on your schedule, with the safeguards and support that keep payments moving.

Direct Deposit Payroll

Send direct deposit of payroll to your employees straight from Online Banking.

Vendor Payments

Pay vendors and send other remittance-type credit entries without the paper.

Same-Day File Debit

Funds are debited the day the file transmits, so there are no outstanding withdrawals to reconcile.

NACHA File Support

A pass-through feature accepts your pre-formatted NACHA files with summary and detailed reports.

Fraud Prevention

Multiple security features plus free software reduce the risk of fraudulent file transmittals.

Regulatory Compliance

The software is maintained and updated for regulatory compliance, so you stay current.

Getting Started

Three Steps to Start Originating

Have ACH Origination enabled, set your limits, and start moving money from Online Banking.

1

Ask to Enable ACH

Contact an ACU Business Specialist at 253-593-6686 to have ACH Origination enabled for your business.

2

Set Your Limits and Access

We customize transaction limits and administrator levels for your team.

3

Originate From Online Banking

Upload files or use templates, transmit, and get summary and detailed reports.

★★★★★
“ACU's business team provides the kind of personalized service and local decision-making that you just can't find at the big banks. They understand our business and respond fast.”
Karen C.
KC Lodging Inc.
Common Questions

ACH Origination FAQ

Answers to the questions business members ask most about ACH origination.

ACH origination is a secure web-based Automated Clearing House service inside ACU Business Online Banking that lets your business transmit credit entries such as direct deposit of payroll, vendor payments, and other remittance-type credits. Transaction limits are customized to your business's needs.
You can use ACH origination to send direct deposit payroll to employees, pay vendors, and transmit other remittance-type credit entries. It runs inside ACU Business Online Banking, so you originate payments on your own schedule instead of relying on the mail.
Funds are debited the day the file is transmitted. Because the debit happens at transmission, there are no outstanding withdrawals to reconcile later, which keeps your records clean.
Yes. A pass-through feature is available for pre-formatted NACHA files, and the application also offers robust import and export capabilities to integrate with your desktop systems. You can upload files with summary reports or use transaction templates with detailed reports.
Contact an ACU Business Specialist at 253-593-6686 to have ACH Origination enabled for your business. The team customizes transaction limits and administrator access levels for your team before you begin originating files.
Yes. The service includes a variety of security features to prevent fraud, plus free software to reduce the risk of fraudulent file transmittals. Flexible multi-level administration and ongoing regulatory-compliance updates protect every transaction.

Disclosures

ACH Origination is available within ACU Business Online Banking and must be enabled for your business. Transaction limits are set per business. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA up to $250,000 per ownership category. NMLS #449181. Equal opportunity lender.

Run Payroll and Pay Vendors Without the Paper

Get ACH Origination enabled and move money straight from Online Banking. Call a Business Specialist to start.

Talk to Our Team Call 253-593-6686
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