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ACH Services

ACH Services combines the cost-effectiveness of writing checks with the timely posting of wire transfers. 

Features and Benefits

  • Transfer money to and from other banks
  • Control payment post and withdrawal dates
  • Make direct transfers to pay vendors
  • Pay employees via direct deposit
  • Collect monthly payments from clients or members
  • Pay taxes

What is ACH?
ACH stands for Automated Clearing House, a nationwide network through the Federal Reserve System that allows individuals to move payments electronically between financial institutions.

ACH Payments
ACH Payments allows you to transfer funds to an account at another financial institution. Because we use the ACH payment network for this service, you reap the control benefits of sending money via ACH, such as specifying when the recipient actually receives the funds.

Payroll is the ability to credit multiple recipient accounts, regardless of where those accounts are held. This feature is most commonly used to allow you to pay employees over the Internet (aka Direct Deposit). One of the efficient features of this service is that you can split a payroll amount between two different accounts at two different banks, giving you better control of your resources.

ACH Receipts
ACH Receipts is the opposite of ACH payments. You may use this feature to collect funds owed you from end users outside your financial institution.

Collections is a useful tool to collect recurring dues or fees from members or customers. While ACH Receipts debit one account at a time, Collections allows you to debit multiple accounts outside the bank at the same time and credits your account inside the bank for the sum total of those debits. Examples include:
  • Membership fees
  • Dues
  • Church tithing
  • Tuition
  • Recurring service payments

EFT Tax Payments
EFTPS (Electronic Federal Tax Payment Service) allows you to send funds for federal and state tax payments straight to the Internal Revenue Service.


  • ACH Service Initial Set-Up Fee: $50
  • Payroll, Payments, Collections & Receipts (per item): $0.10
  • EFTPS Tax Payments (per item): $1.00