ACH

You have access to the ACH transfer functionality only if you have permissions to issue ACH transfers. Additionally, Business Online displays the Go to ACH hyperlink if your financial institution did not assign any templates to you.

Important:

For a transfer, the system displays all the error messages in red and all the warning messages in yellow.

To issue an ACH transfer from the ACH widget:

  1. In the Pay or transfer section, expand ACH.
  2. In the Template field, the system displays a template name.

Note:

If your financial institution has assigned multiple templates to you, then from the Template drop-down list select a select an appropriate template.

  1. From the Date field, accept the default date that the system provides, select a date by using the date picker, or type a new date in MM/DD/YYYY format. The system always defaults the Date field to the next business date and under this field it displays the last available date.

Note:

If you select or type the current business date in the Date field, the system does not consider it as a same-day ACH transfer.

  1. Optional: Select Same day ACH checkbox for same-day ACH transfers.

Note:

  • The system displays the Same day ACH checkbox only if your financial institution allows same-day ACH transfers.
  • For same-day ACH transfers, the system displays a warning message that additional fees may apply.
  • You may not be able to issue an ACH transfer past the last available date.
  1. In the Amount field, type the transfer amount.

Note:

The system may display the minimum and maximum amounts that you can type in the Amount field. If these fields do not display, then you must type an amount that is greater than 0 and lesser than 10,000,000,000,000.00.

  1. Optional: In the Payment information field, type an ACH transfer related description.
  1. Click Preview ACH. The system displays the transfer details for you to review.

Note:

For same-day ACH transfers, the system displays a warning message that additional fees may apply.

  1. Click Complete ACH.

    If Then
    The system has no duplicate ACH transfers

    Continue to step 8.
    The system has duplicate ACH transfers

    The system displays the Duplicate found overlay window with the "Duplicate ACHs were found. Do you want to continue creating this ACH?" message. Click Continue and then continue to step 5.

    Or

    Click Return to ACH to edit the ACH transfer details.

    Or

    Click Edit to modify the information you established for the ACH transfer.

    Or

    Click Cancel to cancel the ACH transfer.

  1. Depending on your financial institution's transfer approval process, the system may display any one of the following security challenges options in a Security challenge overlay window - One-time password, Challenge response, Digital signature, Digital signature (Soft token app).
  1. Optional: If the system displays the One-time password security challenge option, then in the One-time password field type the numeric one-time password that the DP260 or Go3 security token generates. Click Complete challenge. The system displays that it successfully approved or disapproved the transfers.
  1. Optional: If the system displays the Challenge response security challenge option, then in the Challenge response field, type the numeric response that the DP260 security token generates after you enter the Challenge value in it. Click Complete challenge. The system displays that it successfully approved or disapproved the transfers.
  1. Optional: If the system displays the Digital signature security challenge option, then in the Digital signature field, type the digital signature that the DP260 security token generates after you enter the To routing transit, Amount, and Date in it. Click Complete challenge. The system displays that it successfully approved or disapproved the transfers.
  1. Optional: If the system displays the Digital signature (Soft token app) security challenge option, then in the Digital signature field, type the one-time password that the soft token app generates after you scan the image using your device. Click Complete challenge. The system displays that it successfully approved or disapproved the transfers.

Note:

  • If you have activated the soft token on multiple devices, then to get the Digital signature form select the appropriate device from the list of available devices.
  • Click the Can't scan the image hyperlink, if you are unable scan the image using your device. The system displays the One-time password security challenge option.
  1. Optional: After you have successfully completed an ACH transfer, the system displays a print icon (). Click the print icon to print the ACH transfers details.

    Or

    Click Create another ACH to initiate a new ACH import.

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