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Increase productivity and optimize your payment process. ACH streamlines payroll, vendor payments, and more.

  • Conduct outgoing payments electronically 24/7, including:
    • Directly depositing employee payroll
    • Making vendor payments
  • An up-to-date record of transactions is available via online banking or account statements
  • Schedule one-time or recurring outgoing payments
  • Efficient and accurate processing, providing more visibility to your cash position
  • Improve cash flow
  • Increase productivity by automating processes
  • Cut down on employee resources and time
  • Increase accuracy; reduces human error
  • Eliminates waste and expenses associated with paper checks

Provided below is information and valuable resources pertaining to ACH Origination for INOVA business members. If you have further questions about any of the resources listed below, please contact us.

General Resources: 

The NACHA ACH Rules:

Payments Insider Newsletter: 

Authorization Requirements for Consumer (PPD) Transactions

Debit Transaction Authorization

  • Must be in writing and signed or similarly authenticated
  • Needs to be easily identified as an authorization and state the term clearly (amount and timing of debits)
  • Must state how the Consumer can revoke the authorization
  • A copy of the authorization must be provided to the Consumer
  • You must be able to make a copy of the authorization available to INOVA Federal upon request
  • Authorizations must be securely retained and kept for two years after the last ACH debit to the Consumer

ACH Debit Authorization Example

Credit Transaction Authorization

  • Authorization is not required to be in writing, but you may choose to get an authorization in writing
  • Please Note: INOVA highly recommends that credit authorizations be obtained
  • Authorizations must be securely retained

ACH Credit Authorization Example

Authorization Requirements for Commercial (CCD & CTX) Transactions

  • A written agreement must be in place between you and the other company
  • Agreements do not have a specific format requirement, but you must obtain the Receiving Companies agreement to be bound by NACHA Operation Rules
  • Trading Partner agreements should contain authorization requirements and procedures as agreed upon by the parties
  • Agreements must be securely retained