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People Driven Credit Union

ACH Origination

Tired of writing and mailing checks for routine business expenses?

Initiate Electronic Payments for Your Business

Streamline Your Business with ACH Origination

ACH Origination from People Driven Credit Union allows you to initiate electronic business payments, offering a secure, efficient way to handle payroll, vendor payments, membership dues, interbank transfers, and even State and Federal tax payments—all from one platform.

Key Benefits

    • Control: Maintain precise management over cash flow.
    • Cost-Effective: Save on transaction fees compared to traditional methods.
    • Convenience: Schedule payments in advance to simplify recurring obligations.
    • Security: Reduce the risk associated with paper checks.

Built-In Security and Controls

With ACH Origination, you have robust security features and tools at your disposal to protect your transactions:

    • Secure Payee Management: Add and manage an unlimited number of payees, with all details securely stored in a database of payment instructions.
    • Encrypted Authentication: Safeguard access with encrypted login and identity verification.
    • Customizable Permissions: Configure multi-tiered user access for enhanced control.
    • Dual Approval Workflow: Optional dual approval adds an extra layer of security.
    • Automated Notifications: Receive alerts via text or email for initiated and processed ACH batches.

Ready to Use ACH Origination?

If you’re ready to enhance your business banking efficiency, fill out the form below, and our team will help set up the ACH Origination service tailored to your business needs. For further assistance, contact us at (248) 263-4100.

Name
To contact PDCU about a non business related question, please visit our contact us page.
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Let People Driven Credit Union be your partner in business success!

 

Frequently Asked Questions

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.

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Your Rights Under Regulation E (Electronic Funds Transfers):
You have rights and protections regarding electronic transfers under the Federal Electronic Fund Transfer Act (Reg E). Notify us at (248) 263‑4100 immediately if you think someone made an unauthorized transfer from your account. You must report any error or unauthorized transfer within 60 days from the date your statement was first sent. In most cases, we will correct errors within 45 business days. For more details, see our Electronic Fund Transfer Disclosures.