This guide walks you through configuring your ACH file settings in Treasury Software, including entering bank details, selecting the correct format, and preparing to send a test file to your financial institution. Whether you're using QuickBooks Online or importing an Excel or CSV file, this article helps ensure the ACH file matches your bank's specifications.

Screenshot of ACH Universal Online: ACH Setup: Quick Setup: ACH File Header Info - wizard screen used to populate the header line of the Nacha file.

Step 1: Open the ACH File Setup Wizard
Step 2: ACH Setup: Quick Setup (ACH File Header Info)
Step 3: ACH Setup: Advanced Setup
Step 4: Generate Test File
FAQs

Step 1: Open the ACH File Setup Wizard

Access the ACH Setup Wizard by clicking either the ACH Setup tile on the ACH Universal Online Home Page or by choosing the ACH Setup icon in the left navigation bar.

Screenshot of ACH Universal Online Home Page - pointing to the ACH Setup Tile - clicking on this will open the ACH Setup Wizard

Step 2: ACH Setup: Quick Setup (ACH File Header Info)

The ACH File Header information identifies the bank account that is paying or receiving funds and includes your bank information.

ACH File Header Info

If you received this information from your bank, enter it exactly as noted.
If you did not receive the information from your bank, follow the text in the wizard.
Alternatively, suppose you have already created ACH files using Notepad or another software process, and you have access to this file. In that case, ACH Universal Online can import the settings from that ACH file. Click on the 'Upload ACH File' button to populate the ACH file header information.

Standard Entry Class Code

Choose CCD if the other parties are corporate accounts (i.e., vendor payments and customer collections)
Choose PPD if the other parties are individuals (i.e., payroll)
If your file includes both CCD and PPD accounts, the setting here will be the default setting, and you can identify the accounts by mapping the SEC code in either the profiles or on the import file.

Proceed to Step 4 (Generate Test File) unless the Company ID differs from the Immediate Origin ID. If the Company ID is different than the Immediate Origin ID, please proceed to Step 3 (ACH Setup: Advanced Setup).

Step 3: ACH Setup: Advanced Setup

The Advanced Setup tab allows you to adjust the Batch Header Info to match your bank's requirements.

Screenshot of ACH Setup: Advanced Setup: Batch Header Records - this tab allows you to update the batch header record of the ACH file.

The information will be pre-populated with the information entered on the Quick Setup screen. If your bank requires a Company ID that differs from the Immediate Origin ID, please delete the pre-populated number and enter the Company ID given to you by your bank. Click 'Save Changes'.

Step 4: Generate Test File

We recommend that you create a test file to send to your bank to make sure that the file header settings and the batch header settings match the bank's requirements. You can generate this test file by using 'Create a File Manually.'

Screenshot of ACH Universal Online Home Screen, pointing to the 'Add Manual Transaction' Tile.

Enter the Name, Bank Account Number, ABA Routing Number, Payment Amount, Date, and choose either Debit or Credit. The ID Number, Email Address, and Addenda Record are optional. Click 'Save' after entering your data.

Screenshot of 'Add Record' page used to enter the information to create a manual ACH transaction.

After clicking 'Save', you will be taken to the 'Unprocessed Records' screen. Please confirm that your entered data is correct. Then click 'Create ACH File' in the left navigation bar.

Screenshot of the Unprocessed Records screen with arrow pointing to 'Create ACH File' option on the left navigation bar.

Click on 'Create File'.

Screenshot of the 'ACH File Creation' screen with arrow pointing to 'Create File' button.

You will receive a notification confirming that your file has been created, but has not yet been transmitted.
To save the file, click Download and choose the location where you would like to store it.

Screenshot of notification created after clicking on 'Create File'.

Please send your test file to your bank for validation.
If the bank indicates that adjustments are needed, contact our support team. We’ll gladly assist you in updating your settings to ensure your ACH configuration meets the bank’s requirements.

Frequently Asked Questions

1. Can I use Treasury Software's ACH Universal Online with any bank?

Yes. ACH Universal Online supports standard Nacha formats and can be customized to fit your bank's specifications.

2. Does this work with QuickBooks Online?

ACH Universal Online integrates directly with QuickBooks Online, using the transactions to create the Nacha file.

3. What if my bank requires a custom format?

ACH Universal Online allows you to adjust the settings to match specific bank requirements.

Need Help?

Still have questions? Contact Treasury Software Support or visit www.treasurysoftware.com for personalized assistance.