ACH has the capability to secure files with AES 256 encryption.

This feature:
--is compatible with WinZip. Therefore, your bank (or your receiver) can decrypt using WinZip (assuming you supply them with the password).
--can be set to automatically encrypt the ACH file.
--can be used manually for any file, not just for ACH files.
--is not the same as encrypting the database.  Please see Database Encryption if that is your goal.

File Encryption - Automatic

To access these features, click on the Settings tab > File Encryption.
(If you do not see 'File Encryption', see the bottom of this web page to display it)

When you click on the 'File Encryption' icon, this window will be displayed:

Click on the Auto-encrypt tab > check the box and save.

Click on the Encrypt file tab > Defaults > and enter your password and save.
You will need to supply your bank with this password.

The receiver may want the file to be transmitted with a 'zip' extension.
If this is the case, click on Settings > Transmission Options > Local File > General tab (default) > click on the browse button (ellipsis three dots) - and change the extension from txt to zip.

Notes:
If using SSH-FTP, the encrypted file will be sent.
Upon the receiver decrypting the file, the unzipped decrypted file will be named z.txt (not user definable).

Manual File Encryption / decryption

While most ACH Universal users will never use the manual encryption/decryption process, this feature is available to you.

Note: Your bank can download and decrypt the files you send (no Treasury Software license required).
They can enter the password in Decrypt files > Default.  See below to decrypt.

Don't see the File Encryption Option?

 If you do not see the option:

Go to Settings->Import, System->under Custom tab enter '2051' as the Custom Code 1 and 'Update'.]  You'll then need to go into a different account, e.g., 'Sample', and then back into the account to refresh.