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.
Step 1. 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
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, and Wells Fargo
The NACHA Operating Rules require that ACH credits settle in one to two business days and ACH debits settle on the next business day.
Step 2. 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.)
You can follow ezACH Quick Start Guide
to set up your account and pay your employees/vendors.
What is ACH
Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. With ezACH software, you can create the NACHA ACH file to make ACH Payment easily. ezACH makes it easy to
- Deposit the funds for payroll, employee expense reimbursement
- Pay Vendors
- Pay Government taxes
- Collect payments from customers
The ACH processes all credits and debits from a particular bank in one batch. This method is thus more suitable when you receive funds from multiple clients or send payments to multiple employess and vendors.
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 11, 10, 8.1, 8, 7, Vista, 2012, 2003 and other Windows PC.
ACH Direct Deposit Quick Start Guide
What is ACH?
How to start direct deposit via ACH payment
Sample ACH file
The cost of using ezACH software
Install and start ezACH
How to create NACHA ACH file for paycheck direct deposit
How to collect funds via ACH direct deposit
Bank origination account 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