ACH and Same-Day ACH for Small Business

microbusiness owner using online payments

ACH Payments

Conduct business efficiently while limit losses due to check fraud and data entry errors. ACH transfer is the solution that saves you the time and expense of writing, mailing, processing and reconciling checks. It is ideal for handling recurring disbursements such as payroll direct deposits, tax and business-to-business payments.

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Same-Day ACH

Same-Day ACH is designed for clients wanting more flexibility in the business. While it is not designed to replace traditional ACH transactions, it can be utilized for items such as last minute payroll changes and paying invoices on their due date.

Same-Day ACH Benefits	Advantages To Your Business
Same Day Payroll	Pay hourly employees on last day of pay period Pay bonuses and emergency payrolls Keep payroll on schedule even with last-minute changes
Reduce Payment Costs	Eliminate the cost of checks (supplies, postage, etc.)
Shorter Processing Time for Invoices	Schedule invoice payments on due date Pay late invoices quickly Fast payments for emergency goods or services
Elevate Your Customer Experience	Offer same-day claims and reimbursements Allow suppliers to receive payment faster Provide same-day bill pay service

Same Day Payroll
Advantages To Your Business	Pay hourly employees on last day of pay period Pay bonuses and emergency payrolls Keep payroll on schedule even with last-minute changes

Reduce Payment Costs
Advantages To Your Business	Eliminate the cost of checks (supplies, postage, etc.)

Shorter Processing Time for Invoices
Advantages To Your Business	Schedule invoice payments on due date Pay late invoices quickly Fast payments for emergency goods or services

Elevate Your Customer Experience
Advantages To Your Business	Offer same-day claims and reimbursements Allow suppliers to receive payment faster Provide same-day bill pay service

Frequently Asked Questions

Learn More About Best Practices

Is there a fee to originate Same Day ACH items?

Yes, there is a fee to originate same-day transactions. For detailed pricing contact a Treasury Management Sales Specialist.

What requirements need to be met in order to originate same-day ACH transactions?

Requirements include:

Abide by Nacha Operating Rules & Guidelines.
Ensure that all same-day files submitted have an Effective Entry Date equal to or prior to the file submission date.
Submit the same-day file prior to the published same-day processing submission deadlines.

Can I process both same-day and next day ACH files/transactions?

Yes, you can send both same-day and next day ACH files/transactions for processing. You would use the Effective Entry Date to distinguish which batch of transactions is same-day and which is next day.

Where can I get more information on the Same Day ACH Rule?

For more information about Same Day ACH, refer to NACHA Rules, or contact a Treasury Management Sales Specialist.

Treasury Navigator®

Treasury Navigator®1 is a highly secure and convenient treasury management platform offering intuitive online functionality.

Secure

Multi-factor authentication with layered security keeps you protected against potential attacks or fraud.

Versatile

Treasury Navigator lets you assign tasks to the appropriate user to keep everything and everyone on the right track.

Mobile

With Treasury Navigator’s mobile app, approve timely payments securely from your mobile device with confidence thanks to our multi-layered security.

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Important Legal Disclosures and Information

Fees may apply. Contact your banker for details. Subject to credit approval.

Hurricane Milton

Small Business ACH

ACH Payments

Same-Day ACH

ACH Payments

Same-Day ACH

Is Same-Day ACH Right for Your Business?

Frequently Asked Questions

Is there a fee to originate Same Day ACH items?

What requirements need to be met in order to originate same-day ACH transactions?

Can I process both same-day and next day ACH files/transactions?

Where can I get more information on the Same Day ACH Rule?