Processing ACH

If the bank chooses to enable automated processing for ACH, batches will automatically be approved when they are submitted by the customer because they will be within the established customer thresholds and permissions as set by the bank.

If automated ACH processing is enabled by the bank, we advise that a banker review the ACH activity daily around the bank’s cutoff time to monitor for any unexpected/out of the ordinary activity.

In the case of automated ACH processing, the only action that would be needed by a bank employee would be to possibly reject a batch for some reason. There would be no manual bank employee approval process.

Reviewing ACH Batches for Processing

1. In the Admin site, navigate to the Cash >> Approve ACH tab.

   

2. As you expand beside each company record you will see all the batches submitted for that company that should be processed within the current processing window. The batches will already be Approve(d). If you wish to unapproved a batch, check mark the box beside each batch the click the "Unapproved Selected" button at the bottom of the screen.

   

3. Items with the symbol means the item has a warning message that will prevent the item from being processed. Hovering your cursor over the symbol will display the warning message associated with batch.

   

4. Once this has been reviewed, if you would like to continue to move forward and approve the item(s) then you will to expand the company record on the left so you can see all batches associated with the company record. At this point, you will check mark each batch you wish to allow to process then go to the bottom and click "Override". When doing this you are approving an override to allow the system to process the batches in question.

   

Moving ACH Files to Core for Processing

At the bank’s cutoff time the system will automatically create the ACH file for processing. The system will create a NACHA file that is then automatically passed to NuPoint core for processing. No action is needed from the bank for the files to be passed from Digital Banking to NuPoint core for processing.

68494