Managing cash flow is one of the biggest challenges for small businesses and one of the most important. You could lose valuable time and money if you’re still writing checks, mailing payments, or manually tracking incoming dues. That’s where ACH Origination from People Driven Credit Union can make a real difference.
ACH (Automated Clearing House) Origination allows your business to send and receive electronic payments quickly and securely. Whether you pay employees, collect recurring membership dues, or manage vendor payments, ACH gives you more control and flexibility over your financial operations.
What Can You Do with ACH Origination?
- Direct Deposit for Payroll – Pay your employees faster and more reliably with automatic direct deposits.
- Vendor and Supplier Payments – Schedule outgoing payments to vendors on time, every time.
- Recurring Customer Billing – Set up automated collections for membership dues, rent, or subscriptions.
- Tax Payments – Submit local, state, and federal payments without writing checks.
How ACH Improves Cash Flow
1. Predictable Timing
Automated payments mean you can better forecast cash outflows and inflows. You’ll know exactly when money will move, which makes budgeting easier and more accurate.
2. Faster Processing
ACH transactions typically process faster than mailed checks, helping you get paid quicker and settle accounts without unnecessary delays.
3. Lower Costs
ACH payments are more cost-effective than paper checks or credit card processing. You’ll save on printing, postage, and administrative overhead.
4. Reduced Risk
ACH transactions reduce fraud risk by eliminating the need for paper checks, which can be lost, stolen, or tampered with. PDCU also offers security features like encrypted authentication and dual approvals.
Make Business Banking More Efficient
With ACH Origination, you’re not just making payments you’re gaining a powerful tool to simplify operations and improve your business’s financial health. And with People Driven Credit Union, you’ll have a trusted partner to guide you through setup and ongoing support.
Get Started Today
Ready to automate your business payments and take control of your cash flow? Contact our Business Services team to learn more about ACH Origination:
Call: 248-263-4100
Email: Contact PDCU Business Services
Visit: Any PDCU branch
ACH Origination: The smarter, faster way to move your money.
Frequently Asked Questions
You can make a wide range of payments, including:
- Employee payroll
- Vendor and supplier payments
- Membership dues
- Interbank transfers
- State and Federal tax payments
Nacha, short for the National Automated Clearing House Association, is the nonprofit organization that oversees the ACH (Automated Clearing House) network in the United States.
What Does Nacha Do?
- Manages the Rules: Nacha develops, maintains, and enforces the Nacha Operating Rules, which govern the processing of ACH payments and ensure consistency, security, and reliability across all financial institutions using the network.
- Ensures Security and Compliance: Nacha establishes standards for data security, risk management, and fraud prevention for organizations participating in ACH transactions.
- Promotes Innovation: Nacha works with banks, credit unions, and businesses to support new payment solutions, such as Same Day ACH and tools for faster settlement and improved access to electronic payments.
- Educates and Advocates: Nacha serves as an advocate for the ACH network, helping both financial institutions and the public understand how electronic payments work and why they’re secure and efficient.
In short, Nacha is the governing body behind the ACH network, ensuring it operates smoothly, safely, and in a way that benefits both consumers and businesses.
The Automated Clearing House (ACH) network is a secure, nationwide system that financial institutions use to transfer funds between bank accounts in the United States electronically. Managed by Nacha (National Automated Clearing House Association), the ACH network enables both credit and debit transactions, including:
- Direct deposits of payroll, Social Security, and tax refunds
- Automatic bill payments for utilities, mortgages, and loans
- Business-to-business payments
- Peer-to-peer money transfers
- Government and tax payments
ACH transactions are typically processed in batches, rather than instantly, like wire transfers, and often settle within one to two business days; however, same-day ACH is available in some cases.
It’s a cost-effective and efficient way for businesses and consumers to transfer money electronically, eliminating the need for checks or credit card networks.
