Direct Deposit: How to Enable ACH Payment Feature

Most banks will not enable the ACH payment feature when you opened an account. You may need to talk with the business support team in your bank to enable this feature.

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Talk with the Business Support Team in Your Bank

Below are some questions that you may ask to start ACH payment:

1. "Does my account support the ACH payment?"

2. "How to enable the ACH payment feature with my account?"

3. "After I generate the ACH file, how can I upload the NACHA ACH file to my bank account to process transactions?"

You can send the following guide link to your bank. This sample may help them understand what feature you are looking for.

Sample: How to upload the ACH file to my account and process transactions
https://www.halfpricesoft.com/direct-deposit-software/ach-payment-upload-file.asp

Most Banks Support ACH Payment

American Express Centurion Bank, Bank of America, Merrill Lynch, BB&T, BMO Harris Bank, BNY Mellon, Capital One, Citibank N.A., Discover Financial Services, Inc., Fifth Third Bank, First PREMIER Bank, Huntington National Bank, J.P. Morgan, KeyBank, M&T, Merrick Bank Corporation, MetaBank, Navy Federal Credit Union, PNC Bank, Citizens Bank, Regions Financial Corp., State Bank & Trust Company, Silicon Valley Bank, SunTrust, TCF National Bank, TD Bank, N.A., The Bancorp Bank, UMB Bank, U.S. Bank, Wells Fargo and more.

The NACHA Operating Rules require that ACH credits settle in one to two business days and ACH debits settle on the next business day.

Set up your account and start ACH payment

Once this feature is activated, your bank will give you the instructions to upload the ACH file. (ie: ach file upload link, user ID, password. Some banks may also offer some security dongle or USB device to be used with your transactions.)

Next Step: Install ezACH Software >>

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Generate ACH Files for Direct Deposit In-House

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Generate ACH files for direct deposit paychecks

Generate ACH files for vendor payments

Generate ACH files for government payments

Unlimited accounts. Unlimited transactions.

For both federal and states.

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ezACH is compatible with Windows 11, 10, 8.1, 8, 7, and other Windows system, 32-bit or 64-bit.