ACH Origination
Move Money Smarter with ACH Origination
A fast, cost-effective, & secure way to move money
Automated Clearing House (ACH) is an electronic network that enables you to send and receive funds with confidence. It helps reduce paper check usage, lowers processing costs, and improves cash flow visibility. It’s all about efficiency, backed by strong protections and governed by Nacha rules.When you use ACH with us, you'll get:
Trusted Support
Our dedicated business banking team is here to guide you.
Secure Technology
We offer robust fraud protection and dual authentication options.
Transparent Guidance
We simplify rules and regulations to keep you compliant.
Streamlined Tools
Easily originate and manage payments through our online banking platform.
Getting Started
We make it easy to get set up and stay compliant:- Authorization Forms: Use our templates or your own approved version.
- Entry Limits: We work with you to establish limits based on your needs.
- File Formats & Deadlines: Our platform supports standard NACHA file structures with clear cut-off times.
- Monitoring & Alerts: We help monitor activity to prevent fraud and flag exceptions.
Smart Security Tips
Here’s how to stay safe:- Use dual controls for creating and approving transactions.
- Reconcile accounts daily to detect issues early.
- Train your team on fraud prevention and best practices.
- Report suspicious activity immediately — we’re here to help.
- Follow Security Procedures listed in the Agreement
- Enable Security Alerts to notify you of important account activity.
- Create and implement user procedures for user management.
Useful links
How to Apply
- Visit the Application Link
- Click the link below to access the Treasury Management application form.
- Complete & Submit Your Application
- Fill out the required information, then submit your application online. A Premier America team member will follow up with you to confirm details and next steps.
Treasury Management Application
Frequently asked questions & answers
The Rules primarily govern the ACH Network. Various Federal Government regulations, such as the Uniform Commercial Code, Regulation E, The Code of Federal Regulations Title 31 CFR Part 210 (Green Book), and the Office of Foreign Assets Control (OFAC), also apply to ACH entries. (Exhibit A) The Rules incorporate these requirements and serve as the primary source for ACH specific requirements. More information about other rules and regulations that govern ACH entries can be found in the Nacha Rules Book, which members will receive a subscription code to access online, free for the first year.
| Code | Use Case | Description |
|---|---|---|
| PPD | Consumer | Payroll, membership dues, recurring payments |
| CCD | Corporate | Vendor payments, business-to-business transactions |
| Originator (that’s you!) | The business initiating the ACH transaction. |
|---|---|
| ODFI (that’s us!) | Premier America, your ACH processing partner. |
| Receiver | The person or business that is receiving funds or having funds debited from their account. |
| RDFI | The financial institution receiving and processing the ACH entry. |
Premier America will supply you with the rule book upon enrollment. Thereafter, you will be responsible with purchasing the updated versions in the following years. The rule book can be purchased from Wespay.
Disclosures
Exhibit A – Other Laws, Rules & Regulations Governing ACH
Office of Foreign Assets Control (OFAC): The U.S. Department of the Treasury, OFAC, administers economic sanctions and embargo programs that prohibit entries involving targeted countries, regimes, terrorists, international narcotics traffickers, etc. OFAC maintains a list of Specially Designated Nationals and Blocked Persons (SDN List) to assist all U.S. participants in the ACH Network in identifying prohibited parties. All ACH Network participants are accountable for complying with OFAC when originating ACH Entries.
Regulation E and Electronic Fund Transfer Act (EFTA): Regulation E, governed by The Consumer Financial Protection Bureau (CFPB), establishes the basic rights, liabilities and responsibilities of consumers who receive electronic fund transfer services, which includes ACH Entries. Regulation E also addresses the responsibilities of financial institutions regarding stop payments and unauthorized debit entries to consumer accounts and defines the process for resolving errors. If your company originates debits to consumer accounts, you should be familiar with the Regulation E protections available to those consumers.
State Law: State laws vary and could impact the origination of certain types of ACH Entries. For instance, some states allow companies to mandate that employees be paid by direct deposit. However, most state labor codes restrict companies from only offering direct deposit as a means of receiving pay. Many states have mandated that state taxes paid by businesses be initiated via ACH. Please consult with your state’s Office of the Attorney General for specifics.
Uniform Commercial Code Article 4A (UCC 4A): The Uniform Commercial Code (UCC) is a series of state laws that govern commercial credit Entries. Article 4A of the UCC specifically governs wholesale credit entries. UCC4A also addresses the commercially reasonable security procedures that must in place for ACH Originators. Originators who make ACH credit payments to business accounts should be familiar with this regulation.
Office of Foreign Assets Control (OFAC): The U.S. Department of the Treasury, OFAC, administers economic sanctions and embargo programs that prohibit entries involving targeted countries, regimes, terrorists, international narcotics traffickers, etc. OFAC maintains a list of Specially Designated Nationals and Blocked Persons (SDN List) to assist all U.S. participants in the ACH Network in identifying prohibited parties. All ACH Network participants are accountable for complying with OFAC when originating ACH Entries.
Regulation E and Electronic Fund Transfer Act (EFTA): Regulation E, governed by The Consumer Financial Protection Bureau (CFPB), establishes the basic rights, liabilities and responsibilities of consumers who receive electronic fund transfer services, which includes ACH Entries. Regulation E also addresses the responsibilities of financial institutions regarding stop payments and unauthorized debit entries to consumer accounts and defines the process for resolving errors. If your company originates debits to consumer accounts, you should be familiar with the Regulation E protections available to those consumers.
State Law: State laws vary and could impact the origination of certain types of ACH Entries. For instance, some states allow companies to mandate that employees be paid by direct deposit. However, most state labor codes restrict companies from only offering direct deposit as a means of receiving pay. Many states have mandated that state taxes paid by businesses be initiated via ACH. Please consult with your state’s Office of the Attorney General for specifics.
Uniform Commercial Code Article 4A (UCC 4A): The Uniform Commercial Code (UCC) is a series of state laws that govern commercial credit Entries. Article 4A of the UCC specifically governs wholesale credit entries. UCC4A also addresses the commercially reasonable security procedures that must in place for ACH Originators. Originators who make ACH credit payments to business accounts should be familiar with this regulation.