The Send ACH File function allows you to send a complete ACH file to your financial institution. Note that batches contained within the uploaded file will be stored the same as initiated, they are added to Business Banking system pending ‘Approval'.
To display the Send ACH File screen:
Select the ACH option on the Funds Transfer menu.
Click Send ACH File.
The Send ACH File screen appears.
You must have the ACH file available either on a local drive or on a network-accessible drive.
If you know the full pathname of the file, type it in. For convenience, click the Browse… button to open a standard Windows dialog box that allows you to search your local and network drives to locate the file.
Uploaded ACH files are subject to the same limit requirements as ACH batches. Unbalanced file cannot be uploaded unless the financial institution enables this feature.
Pre-Validation Process:
Verify the daily credit/debit limits for the company and/or user has not been exceeded.
Verify the ACH file contains balanced batch(s), if applicable.
Verify the ACH Batch(s) has an valid effective date.
Verify that the business user has access to the offset account in the ACH file in the
Business Banking platform, if applicable.
If the ACH file passes the pre-validated process the user will be presented with a verification screen showing the Credit/Debit Totals, Number of Entries, effective date and the number of Batch(s).
Once the user submits the ACH file to be completed, the user will be presented with a confirmation message with a Job Reference Number.
The user will be able to view the status of the Job Reference Number via the ACH Activity or ACH Admin/Approval Activity screen.
Should the ACH file fail during the Backend validation the system will generate an email to the user informing them that the job failed. The user will be able to view the details of the error on the ACH Activity or ACH Admin/Approval Activity screen by clicking on the Reference Number hyperlink.
The error screen shows full line-by-line details of up to fifty errors. (Keep in mind that some errors will "cascade" and cause numerous others to appear. Fixing that first error will often clear up many subsequent errors, so always look at the leading entry first.)
Note: The Reference Number is not the Batch Id Number. The Batch IDs can be viewed by clicking on the Reference Number hyperlink on the ACH Activity or ACH Admin/Approval Activity screen.
Note: If you are enabled for ACH Prefunding, you must upload unbalanced batches.
The 'Balanced ACH File' checkbox and label will not appear on the 'Send ACH File' screen. It is also recommended that you upload single batches, not multiple batches. Uploaded files must contain all credit or all debit unbalanced batches. Mixed batches will fail.