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How to Generate ACH File for Paycheck Direct Deposit


ACH payments are a convenient way to pay employees because the funds are automatically deposited into the employee's bank account. Such payment transactions can be settled in 24 hours. ezACH deposit software can generate the ACH file that you can upload to your bank account to speed up electronic fund transfer.

1. Before start direct deposit

1.1. You need to talk with your bank to enable ACH direct deposit feature.

1.2. Collect employees' account information

1.3. Download and install ezACh software

You can download and try ezACH software for free before purchasing, with no credit card needed and no obligation.

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

2. Start ezACH software, generate ACH file and upload it to bank to process transactions.

2.1 Set up company bank account

(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
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Enter account information
ACH deposit settings
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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

2.2: Add Employees

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
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2.3: Add New Transactions for paychecks

  • You can enter the transactions manually.

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

  • Or you can import paychecks from EzPaycheck payroll software

  • Or you can import checks from EzCheckPrinting software

    To Pay Employees, you should choose option "Credit".

    add new transaction for paychecks
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    2.4: Create the ACH file

    2.4.1 Review the transactions. If everything is correct, click the "Generate ACH file" to generte the file
    create ACH file
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    2.4.2 If there is no error in list, click the SAVE button to save your file.
    generate ACH file
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    2.4.3. You can specify a new folder to save your file
    save ACH file
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    2.4.4. Sample ACH file
    sample ACH file
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    2.5 Upload ACH file to your bank

    Then you can log in your bank account, upload the ACH file, review and authorize the transactions. Usually your employees can see funds in their account in 24 hours.

    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.

    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 11, 10, 8.1, 8, 7, Vista, 2012, 2003 and other Windows PC.

    download free ACH direct deposit software     buy ACH Direct Deposit now

    Related Links:

  • 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
  • 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

    download free ACH direct deposit software     buy ACH Direct Deposit now