ACH Origination

Simply fill out the contact form below, and a PDCU Business Services representative will guide you through the setup process. You can also call us at (248) 263-4100 for assistance.

Yes. You can set up one-time or recurring payments to payees, making it easier to automate payroll, rent, or vendor payments.

PDCU’s ACH Origination includes multiple layers of security such as encrypted authentication, customizable user permissions, dual approval workflows, and automatic notifications for each ACH batch.

There’s no hard limit on the number of transactions you can initiate, but transaction volume and limits may be based on your account profile and risk review.

You can make a wide range of payments, including:

• Employee payroll
• Vendor and supplier payments
• Membership dues
• Interbank transfers
• State and Federal tax payments

ACH Origination is available to eligible People Driven Credit Union business members with an active business checking account. Our team will work with you to assess your needs and get you set up.

ACH Origination is a service that allows businesses to send and receive electronic payments through the Automated Clearing House (ACH) network. It’s commonly used for direct deposit, vendor payments, recurring billing, and tax remittances.

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.