ACH has the capability to secure data and 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.)

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.

Note:  Many banks will not accept an encrypted ACH file.

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 the Custom tab, enter '2051' under 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.