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.
Let People Driven Credit Union be your partner in business success!
Connect to learn more about ACH Origination & Business Payments for Michigan businesses
What is ACH Origination?
ACH Origination allows your business to send and collect electronic payments through the Automated Clearing House network instead of relying on paper checks.
With PDCU ACH Origination, your business can pay employees and vendors, collect authorized payments from customers, manage recurring transactions, and move money electronically from one secure platform.
You can use standard ACH for routine transactions or Same Day ACH when an eligible payment needs to move more quickly.
What your business can do with ACH
PDCU ACH Origination gives your business one secure platform to send payments, collect authorized payments, and manage transaction activity.
- Pay your team: Send payroll directly to employee accounts on a recurring schedule without writing checks.
- Pay your vendors: Send individual or batch supplier payments with approval controls and a complete audit trail.
- Collect what you’re owed: Pull authorized payments from customers automatically to help keep receivables moving.
- Move money same day: Use Same Day ACH for eligible time-sensitive payments that need to settle that business day.
- Add fraud protection: Use available Positive Pay, filters, and blocks to help screen unauthorized debits before they post.
- Maintain visibility: Approve batches, track balances, and review activity from one secure online platform.
ACH payment controls built for businesses
Electronic payments move quickly, so your business needs controls that help you review activity before funds are released.
- Dual-control approval: Require a second authorized user to review and approve ACH batches before they are released.
- Fraud protection: Use available Positive Pay, filters, and blocks to help identify unauthorized debits before they post.
- Batch approval: Review outgoing payment batches before submitting them for processing.
- Full visibility: Track balances, review ACH activity, and maintain an audit trail from one secure online platform.
These controls can help your business add oversight to routine payments while keeping ACH activity easier to monitor and manage.
Standard ACH or Same Day ACH
Different business payments have different timing needs. PDCU ACH Origination gives you flexibility to choose the option that fits the transaction.
Standard ACH
Use standard ACH for routine payments and collections that can be scheduled in advance, such as payroll, vendor payments, recurring customer payments, and regular account transfers.
Same Day ACH
For eligible time-sensitive transactions, Same Day ACH can move funds and settle the payment within the same business day.
Your business controls the timing, making it easier to use standard processing for everyday transactions and faster settlement when timing matters.
How ACH Origination works
- Build your batch: Enter or import payment information and recipients into the secure online platform.
- Approve securely: Use dual-control approval to review and authorize each batch before it is released.
- Choose your timing: Select standard or Same Day ACH based on the transaction and submit the batch on your schedule.
PDCU ACH Origination gives your business a clear process for creating, approving, and scheduling electronic payments while maintaining oversight at each step.
Who should consider ACH Origination?
PDCU ACH Origination may be a good fit for businesses that regularly send or collect electronic payments and want more control over how those transactions are managed.
Consider ACH Origination if your business:
- Pays employees through direct deposit
- Makes regular vendor or supplier payments
- Collects authorized payments from customers
- Manages recurring payments or collections
- Needs Same Day ACH for eligible time-sensitive transactions
- Wants approval controls before payment batches are released
- Needs better visibility into payment activity and transaction history
- Wants to reduce reliance on paper checks
Not sure whether ACH Origination fits your payment process? PDCU Business Services can help you review how your business sends and collects money and determine which ACH options make sense.
Put recurring payments on autopilot
ACH Origination can help reduce the time your business spends recreating the same payments and collections over and over.
Set up recurring ACH transactions for predictable activity such as:
- Employee payroll
- Regular vendor or supplier payments
- Authorized customer payments
- Membership or subscription payments
- Recurring transfers between eligible accounts
Once the schedule is established, your business can manage repeat transactions more efficiently while keeping approval controls and payment activity in one secure platform.
Ready to simplify business payments?
ACH Origination can help your business send payments, collect authorized customer payments, manage recurring transactions, and maintain greater control over electronic payment activity.
Contact the People Driven Credit Union Business Services team to learn more about ACH Origination, standard and Same Day ACH, payment controls, transaction limits, and getting your business set up.
Or call 248-263-4100 to speak with our Business Services team.
Not a People Driven Credit Union member yet?
People Driven Credit Union membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members.
A Membership Share Savings Account is required to establish membership. A $5 deposit secures your ownership share in the credit union and gives you access to PDCU products and services, including Business Services.
Once your membership and business account are established, our Business Services team can help you get started with ACH Origination.
Frequently asked questions
ACH Origination allows your business to send and collect electronic payments through the Automated Clearing House network instead of relying on paper checks.
PDCU ACH Origination can be used for employee payroll, vendor and supplier payments, authorized customer collections, recurring transactions, and other eligible electronic payments.
Yes. Your business can collect authorized payments from customers electronically through ACH Origination.
Yes. ACH Origination can be used to send recurring payroll deposits directly to employee accounts.
Yes. Businesses can send individual or batch vendor and supplier payments electronically through ACH Origination.
Yes. Eligible time-sensitive transactions can use Same Day ACH so funds can settle within the same business day.
Yes. ACH Origination can be used for recurring payments and authorized collections, including payroll, vendor payments, and customer transactions.
Yes. Dual-control approval can be used so a second authorized user reviews and approves an ACH batch before it is released.
Available controls include Positive Pay, filters, and blocks that can help screen unauthorized debits before they post to your account.
Yes. The ACH platform allows authorized users to approve batches, track balances, and review transaction activity from one secure online platform.
Enter or import payment information and recipients into the online platform, approve the batch securely, then choose standard or Same Day ACH based on the transaction and your timing needs.
Contact the People Driven Credit Union Business Services team to discuss ACH Origination, payment and collection options, security controls, transaction limits, and setup.
Disclosures
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.
Your business deposits at People Driven Credit Union are federally insured by the National Credit Union Administration (NCUA). The NCUA is an independent U.S. government agency that provides deposit insurance backed by the full faith and credit of the United States government. Business accounts are insured up to $250,000 per legal entity. That means if anything were to happen to the credit union, your funds are protected up to that limit at no cost to you.
This coverage is automatic the moment you open an account. No application required. For businesses with larger deposit needs, a PDCU team member can walk you through how account ownership categories may allow for additional coverage across multiple account types. Fraud prevention tools protect your day-to-day transactions. NCUA insurance protects what is behind them.
Related topics
Business Checking
Manage everyday business finances with digital banking tools, debit card access, branch cash deposits, and additional PDCU Business Services.
Fraud Prevention
Help protect your business from check and ACH fraud with Positive Pay, exception review, alerts, and payment controls.
Payroll Services
Simplify payroll processing, employee payments, tax filing, reporting, and timekeeping with payroll solutions available through PDCU Business Services.
Merchant Services
Accept in-store, mobile, online, invoice, and recurring payments with flexible payment processing options for your business.
Remote Deposit Capture
Deposit eligible business checks using a desktop scanner or mobile device without making a trip to the branch.
Learn more about business services
Put your business cash to work with a Business High-Yield Money Market Account
Every business needs cash available for payroll, operating expenses, taxes, unexpected costs, and future...Read More
Payroll Tax Fraud: What Michigan Small Business Owners Need to Know
A Michigan business owner's payroll tax fraud guilty plea involving approximately $1.7 million in unpaid...Read More
Small Business Tax Services: Exclusive Member Discounts
Running a small business takes grit, determination, and an entrepreneurial spirit. However, amidst the hustle...Read More
5 Signs It’s Time to Open a Business Checking Account
The Moment You Know You Need a Business Checking Account Running a business a full-time operation or a...Read More
