ACH Direct™ Overview

With more included features than any other direct deposit solution, ACH Direct is the key to preparing Sage MAS 90 and 200 Payroll direct deposits for processing by the world-wide network of financial institutions. When used in conjunction with the Payroll module, ACH Direct will provide you with the ability to forward direct deposit transactions to your bank(s) using a variety of customizable options.

Businesses using ACH Direct find that payroll processing time and expenses are reduced. Checks don't have to be printed or mailed, checks don't get lost, and employees are more satisfied with the convenience that direct deposit offers.

The files created by ACH Direct are guaranteed to meet National Automated Clearing House Association (NACHA) standards. ACH Direct creates a NACHA file of deposits for all employees requesting direct deposit. While the standard Payroll module generates registers that detail the transactions, ACH Direct is required to actually create the files to be transmitted to your financial institutions.

ACH Direct gives companies using the Sage MAS 90 or 200 Payroll module the ability to provide an important employee benefit while making the job of "doing the Payroll" easier!

What is ACH Direct?

ACH Direct is a Direct Deposit Interface that works with the Direct Deposit processing feature of the Sage MAS 90 and 200 Payroll module. ACH Direct's purpose is to create and send file transmissions of the Direct Deposit data generated within Payroll to your financial institution, which will then re-transmit the Direct Deposit data to the financial institutions of Direct Deposit participants.

For employees who are participating in the Direct Deposit program for the first time, ACH Direct will also transmit the Pre-Note required by the financial institution for approval before Direct Deposits can be made to the new participant's bank account.

When you refer to the Payroll manual provided by Sage Software, remember that Kissinger's ACH Direct is the product being referred to when the Payroll documentation mentions the "Direct Deposit Interface module provided by a Sage Software Master Developer".

How ACH Direct Works

Kissinger's ACH Direct creates a NACHA compliant file of deposits for all employees requesting Direct Deposit. While the standard Payroll module generates registers that detail the transactions required for Direct Deposit processing, the use of ACH Direct is required in order to actually format and send transmissions to your financial institution. ACH Direct also gives you the capability to combine the transactions from multiple MAS 90 or MAS 200 companies into one or more transmission files, and to route each transmission to a different Originating Depository Financial Institution (ODFI).

ACH Direct creates a file using the standard NACHA format conforming to Automated Clearing House (ACH) Rules and Regulations as published by NACHA. The ACH Direct file is produced after the check register updates for all companies to be included in the transmission.

There are several methods available for routing the ACH Direct file to your financial institution. The ACH Direct file can be put on diskette or it can be transferred to your bank electronically. A paper report is also created and may be selected as the primary output, if required.