ACH Direct: How It Works

ACH Direct creates a National Automated Clearing House Association (NACHA) compliant file of deposits for all employees participating in Direct Deposit. While the standard Sage MAS 90 or 200 Payroll module generates registers that detail the transactions required for Direct Deposit processing, ACH Direct is required to actually format and send transmissions to your financial institution.

The file is generated 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.

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).

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

Learn more about ACH Direct.