ACH Origination Guide

Establish a New ACH Payment

Generate new ACH transfers using the + New payment functionality. The following procedures extend basic guidance for the generation of a new ACH payment when a financial institution user opens the ACH User Interface within Business Online.

To establish a payment:

  1. Sign in to Business Online. The system displays Business Online.
  2. Select Payments & Transfers. The system displays the Payments & Transfers page.
  3. Select ACH. The system displays the ACH Activity page.
  4. Select + New payment. The system displays the New payment box.
  5. Select the appropriate Type (for example, Payroll - PPD) from the drop-down list. Click Continue. The system displays the New transfer page.
  6. Type the Description of the transfer (for example, Monthly Payroll).
  7. In the Tax identification number field, select the tax identification number the transfer is associated with.

Note: In some instances, an ACH User (for example, George Washington) is associated with multiple companies (for example, Washington Farms and Washington Orchards). In these cases, the system populates the Tax identification number drop-down with each of the companies that the user is tied to.

8.   In the Effective date field, enter the date you intend the new ACH transfer to process.

9.   Select the Repeat check box to establish the frequency with which the new ACH transfer occurs.

10. Select the Frequency from the drop-down list to establish how often the transfer occurs. 

Note: When you select a recurring frequency value other than None, the system populates the transfer with an additional date field titled End date. Enter the end date of a recurring transfer as the End date.

11. In the For non-business day use drop-down list, select the appropriate option for processing a recurring transfer on a non-processing date.

12.  Type the Company description

13.  In the Pay from section, select the appropriate Account from the drop down list and type the Amount to be debited from the account.

  • In the Pay to section, establish the following:
    Type the Name of the recipient. 
  • Type the Identification number of the recipient. 
  • Type the Routing transit number of recipient. 
  • Type the Account number of the recipient. 
  • Select the appropriate Account type. 
  • Type the Amount to deposit in the recipient's account. 

14.  Click Complete ACH, the system displays the processing results page. 

15.  Click Return to ACH activity to perform another task or click Save as template to establish a new template based on the transfer.

16.  Repeat steps 4-16 to generate additional transfers.

 Establish a New ACH Transfer by Copying an Existing ACH Transfer

Generate new ACH transfers using an existing ACH transfer.

To establish a new ACH transfer using an existing ACH transfer:

  1. Sign in to Business Online. The system displays Business Online.
  2. Select Payments & Transfers. The system displays the Payments & Transfers page.
  3. Select ACH. The system displays the ACH Activity page.
  4. Click Copy for the transfer that you want to base your new transfer from.
  5. In the Description field, type the name of the transfer (for example, Wash Orchards Payroll).
  6. In the Tax identification number field, select the tax identification number the transfer is associated with.

Note: In some instances, the system associates an ACH user (for example, George Washington) with multiple companies (for example, Washington Farms and Washington Orchards). In these cases, the Tax identification number drop-down list populates with each of the companies that the user is tied to.

7.  In the Effective date field, type the date that you intend the ACH transfer to process.

8.  If the transfer is a recurring transfer, select the Repeat check box and in the Frequency field, type the frequency with which the ACH transfer occurs.

Note:  Selecting a recurring frequency value other than None populates the transfer with an additional field titled End date. End date is a date field, into which you type the end date of a recurring transfer.

9.   Type the Company description.

10. Type the appropriate information in the fields populating the Pay from section and the Pay to section. 

11. Click Complete ACH. The system displays the processing results page.

12. Repeat steps 2-12 to generate additional transfers. 

Import a NACHA File Without Using a Template

NACHA transfers are generated from files that conform to the standard format as defined by the Federal Reserve in the NACHA ACH File Exchange specifications. These files typically have the "ACH" file extension. The Import ACH Transfer function for NACHA files enables you to import a stored NACHA transfer file without validating it against the fields of an existing NACHA template.

Note: ACH users who do not have access to stored templates can only import files without using a template. The import process does not display a Template field for these users. 

Importing NACHA formatted transfers without using a template:

  1.  Sign in to Business Online. The system displays Business Online.
  2.  Select Payments & Transfers. The system displays the Payments & Transfers page.
  3.  Select ACH. The system displays the ACH Activity page.
  4.  Click the Import file hyperlink. The system displays the Import file page.
  5.  Select NACHA.
  6.  In the File location field, select Browse. The system displays the Choose File to Upload window.
  7.  Select the file to import and click Open. The system displays the Import file page.
  8.  Select Import without using a template from the Template drop-down list.
  9.  Select the tax ID number from the Tax identification number drop-down list.

10. Select the appropriate ACH transfer type from the Type drop-down list.

11. Click Continue. The system displays the Import file - [File Name] page.

12. Click Review ACH. The system displays the transfer Activity edit page.

13. Review the transfer details and make any desired changes, and then click Complete ACH. The system displays the confirmation page.

 

Import a NACHA File Using an Existing Template

The Import ACH Transfer function for NACHA files enables users to import a stored NACHA transfer file against a stored template. the ACH User Interface validates the tax identification number, transfer type, and amount range (total transfer amount) stipulated in a selected template against the values in the imported ACH file. If the validation fails, the system displays a message and the import process cannot continue.

Note: ACH users who do not have access to stored templates can only import files without using a template.  Importing NACHA formatted transfers using an existing template:

  1. Sign in to Business Online. The system displays Business Online.
  2. Click Payments & Transfers from the main menu. The system displays the Payments & Transfers page. 
  3. Click ACH. The system displays the ACH Activity page. 
  4. Click the Import file hyperlink. The system displays the Import file page. 
  5. Select NACHA as the Import type. 
  6. Click Browse to navigate to the location of the file that you want to import. 
  7. Select the appropriate Template from the drop-down list. 
  8. Select the appropriate Tax identification number from the drop-down list. 
  9. Select the appropriate ACH transfer Type from the drop-down list. 

10. Click Continue. The system displays the File summary page. 

11. Click Review ACH. The system displays the transfer Activity edit page. 

12. Review the transfer details and make any changes that you need, and then click Complete ACH. The system displays the confirmation page.

 

 

 

 

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