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ACH Direct Deposit: How to Collect Funds

ezACH deposit software can generate ACH file that you can upload your bank account to speed up electronic fund transfer. So you can pay your employees easier or get funds from your clients faster.

Here the step by step guide on how to collect funds from your clients.

Step 1: Enable ACH Direct Deposit Feature of Your Bank Account

You need to talk with bank to make sure your account support ACH Direct Deposit feature and you can collect the funds from your clients. Usually your account will not have this feature by default. Once this feature in activated, your bank will give you the instructions to upload the ACH file

Step 2: Collect Client Information

  • You need to ask your client for the bank information, such as bank name, routing number, account number, account type (saving or checking account) and client name.
  • You may also need to get his signed agreement to allow you collect funds from his account.

    Step 3: Install ezACH software

    If you have not installed ezACH softwre, you can download it from our site.

    direct deposit software ezACH can generate the ACH file that you can upload to your account for electronic fund tranfers. If you have not installed this ACH generator, you can download and try it free for 14 days with no obligation and no credit card needed.

    ezACH software is compatible with Windows 10, 8.1, 8, 7, Vista, 2012, 2003 and other Windows PC.

    download free ACH direct deposit software     buy ACH Direct Deposit now
    Once you installed ezACH, you will see the ezACH shortcut on desktop. You can double click it to run ezACH software.

    ezACH desktop shortcut

    For the first time, you will see key code input pop up screen. Once you entered the key code, you will not see it again. If you just want to try ezACH software, you can click the "Use Trial Version" button to trial ezACH software.

    enter key code

    Step 4: Generate the ACH file and Upload It to Your Bank.

  • 4.1 Set up your account information
  • Enter account information
    (If you have already set up your account, you can ingore this step)
    Click the Settings button to open account setup screen

    ACH deposit software main page
    (Click image to enlarge)

    ACH Header Settings

    Immediate Destination Routing number Typically your bank's ABA/Routing Number (9 digits)
    Immediate Destination Name Your Bank Name. Such as "PNC BANK, KENTUCKY, INC." or "Bank of America NE"
    Immediate Origin Number This is the company ID assigned by your bank. Typically your Fed ID (oftern with a leading "1"), an account number, or ABA Number. Not sure, Try 1 + Fed ID. The maximum length is 10-digit.
    Immediate Origin Name Your company Name

    ACH deposit settings
    (Click image to enlarge)

  • 4.2 Add a new client
  • On the home screen, click the button Add a Client to add employee account information. Or you can click the top menu "Main" then "Clients" to add a new employee.

    add new client for deposit
    (Click image to enlarge)

  • 4.3 Add New Transactions to collect funds
  • You can enter the transactions manually.

  • Or you can import the transaction from external csv file.

    To collection payment, you should be choose DEBT option

    add new transaction to collect fund
    (Click image to enlarge)

  • 4.4 Create the ACH file
  • - Review the transactions. If everything is correct, click the "Generate ACH file" to generte the file

    create ACH file
    (Click image to enlarge)

    - If there is no error in list, click the SAVE button to save your file.

    generate ACH file
    (Click image to enlarge)

    save ACH file
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    sample ACH file
    (Click image to enlarge)

  • 4.5 Upload ACH file to your bank
  • Then you can log in your bank account, upload the ACH file, review and authorize the transactions. Usually it takes 24 to 48 hours to receive the fund in your account.

    Your bank should give you the user ID, password and instructions on how to upload/send file. You can contact your bank for more details.

    Here is a sample on how to upload the ACH file to PNC bank.

    Step 4: Your bank will process the transaction and transfer the money from your client's account to your account.

    Related Links:

    ACH Direct Deposit Quick Start Guide
  • 1. How to start direct deposit via ACH payment
  • 2. The cost of using ezACH software
  • 3. Install and start ezACH
  • 4. How to create NACHA ACH file for paycheck direct deposit
  • 5. How to collect funds via ACH direct deposit

  • Bank origination account management
  • Client management
  • Transaction management
  • Create NACHA ACH file
  • Upload ACH file to bank to process transactions

  • Mutiple-user network version

  • Sample: How to import transactions from .csv file
  • Sample: ezACH guide For ezPaycheck payroll software user
  • Sample: How to import data from ezCheckPrinting software

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