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ACH Origination
Send and receive ACH Transactions and Wires from our Mobile App or a Computer Browser.
Remote Deposit Capture
Deposit multiple checks at a time from the convenience of your home or office computer with a physical scanner.
A host of time-saving features- Examine trends to identify areas where financial strength can be improved
- Streamlined efficiencies to enhance cash flow
- ACH (Automated Clearing House) services to collect and disburse electronic payments including payroll
- Detailed balance reporting
- Information easily imported into QuickBooks® and Quicken®
- Multi-layered security controls
- Designate unique levels of access for different user
- 24/7 access anywhere with internet
Standard Entry Class (SEC) Codes
Used to identify the NACHA payment type
| Code | Application Title | Application Description | Recipient Consumer/Business | Recipients Debit/Credit | Your Organizations Debit/Credit |
|---|---|---|---|---|---|
| PPD | Prearranged Payment and Deposit | Entry for direct debit/credit to/from a personal account | Consumer only | Debit or Credit | Debit or Credit |
| CCD | Corporate Credit or Debit | Entry for direct debit/credit to/from a corporate account | Corporate only | Debit or Credit | Debit or Credit |
Transaction Types
| Transaction Type | Application Description | Recipient Consumer/Business | Recipients Debit/Credit | Your Organizations Debit/Credit |
|---|---|---|---|---|
| ACH Collection | Collecting funds from multiple recipients at a time | Consumer or Corporate | Debiting only | Crediting only |
| ACH Batch | Sending funds to multiple recipients at a time | Consumer or Corporate | Crediting only | Debiting only |
| ACH Payment | Sending funds to one recipient at a time | Consumer or Corporate | Crediting only | Debiting only |
| ACH Receipt | Collecting funds from one recipient at a time | Consumer or Corporate | Debiting only | Crediting only |
| Payroll | Sending funds to multiple recipients at a time | Consumer or Corporate | Crediting only | Debiting only |
| Wire | Sending funds to one recipient at a time | Consumer or Corporate | Crediting only | Debiting only |
| ACH PassThru | Import a formatted NACHA created in an outside software, containing multiple batches | Consumer or Corporate | Debit or Credit | Debit or Credit |
Recipients
A recipient is a person or business with whom your business may exchange funds. You can manage and create the recipients for ACH and Wire Transactions, and then you can send or receive payments from a recipient. You will need to retrieve the recipient and the recipient’s financial institution’s information from the recipient. The recipient will need to retrieve their own financial institution’s information to provide to you. After a recipient is created, you can include them in single and multiple payments or templates. Each recipient entry contains the recipient’s contact and account information.
Wires
Wires are a way to send funds domestically or internationally to a person or organization.
- An international wire is a wire going to a person or organization that resides outside the United States
- A domestic wire is a wire going to a person or organization that resides within the United States
Separate wire fees will apply. Please see our Fee Schedule for details.
ACH Origination & Remote Deposit Capture Guide
| Feature | ACH Origination + Remote Deposit Capture Bundle | Remote Deposit Capture | ACH Origination |
|---|---|---|---|
| Cost | $40.00 per month | $25.00 per month | $25.00 per month |
| Account to Account Transfers | ✓ | ✓ | ✓ |
| Account and Transaction Reports | ✓ | ✓ | ✓ |
| Balance Alerts | ✓ | ✓ | ✓ |
| Check Imaging | ✓ | ✓ | ✓ |
| Remote Deposit Capture | ✓ | ✓ | |
| Fraud Control | ✓ | ✓ | ✓ |
| Real-Time Account Access | ✓ | ✓ | ✓ |
| Unlimited Bill Pay | ✓ | ✓ | ✓ |
| Stop Payment Requests | ✓ | ✓ | |
| Wire Transfer Requests | ✓ | ✓ | |
| ACH Originations | ✓ | ✓ |