ach receivables

Receive payments that are fast and secure

Transform your business with ACH receivables

Convert your business's receivables into cash—fast. ACH receivables are a safe and convenient way to electronically collect payments. Simplify your cash management process with a solution built for your business.

Flexible

Create single and recurring A/R receipts from ACH transactions.

Fewer returns

Reduce the number of returned checks.

Get paid fast

Receive your payments faster and reduce float.

Benefits of ACH Receivables
Fast and secure

Convenience

Let customers quickly and easily make payments, providing convenience while reducing their costs.

Better forecasting

Improve cash outlook and create stronger cash flow.

Detailed reporting

Provide detailed reporting for any transaction returned or incorrect information sent.

Helpful ACH receivables resources

Automatic drafting FAQ

Frequently asked questions for ACH Automatic Drafting.

National ACH website

Get the latest news, events and education related to ACH receivables at Nacha.org.

how it works

Simplify your receipts

ACH receivables are a secure and convenient way for your business or customers in any industry to electronically receive bill payments.

Authorize

Obtain authorization from customers or employees to debit their accounts.

Initiate

Initiate drafts through Digital Banking, Commercial Advantage, or directly using Financial Data Exchange in batches or as a single item.

Process

We process drafts to the designated financial institution, debiting each customer's account.

Settle

We credit your account for the draft the day we receive the funds.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with ACH and wires

Receive account and security alerts

Learn more about business digital banking
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send & transfer money with ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

FAQ
People often ask us

You can submit an ACH transaction reversal using Commercial Advantage. An ACH reversal must be submitted within 5 days of the settlement date of the original erroneous transaction. To access the ACH reversal function, locate the erroneous transaction in the completed section on the ACH Summary page. Select View for the transaction. Detailed information for the selected transaction is displayed. A Reverse option will also display. To submit a reversal, choose Reverse. If you need additional assistance, select Inquire for the transaction. Enter your question, and then select Send.

A customer service representative will respond to your inquiry within 1 business day. If you're sending files through DES FTP transmission, simply send the reverse entry in a Nacha format. Digital Banking for business customers should contact the Business Engagement Center, 866-FCB 4BIZ (866-322-4249).

Yes. A pre-note transaction may be submitted as a test. A pre-note is a zero-dollar transaction with unique transaction codes. Its intention is to verify both the transit routing and account number of a transaction. If either is incorrect, you'll be notified by a Return Resolution Report. It's recommended that you initiate a pre-note transaction 3 days in advance of a live dollar transaction for first-time accounts.

An ACH routing number is similar to an ABA routing number. The difference is that an ACH routing number is used for electronic transactions.

An ACH transfer is an electronic transfer of funds between two bank accounts. It's initiated through the Automated Clearing House network so you can send payments or pay bills quickly, depending on the ACH payment services available at your bank.

ACH transfers and automatic payments are processed securely by either the Federal Reserve or the Clearing House Payments Company, and then funds are moved electronically from one bank to another. ACH payment services generally are offered by banks and other financial institutions and often include same-day processing and detailed reports online.

Normal bank approval applies.

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