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Understanding what happens after you upload an ACH (Direct Deposit) file to your bank

This article explains what happens after you upload an ACH file to the bank, including processing times and confirmation steps.

After Uploading the ACH File

  1. Transmission to the Bank: Once you upload the ACH file, it is transmitted to your bank for processing.

  2. Confirmation Email: After the ACH file has been successfully transmitted, you should receive a confirmation email from the bank. This email serves as a notification that the file has been received.

  3. Processing Times: The time it takes for the bank to process the ACH file can vary by institution. Each bank has its own schedule for receiving and processing these files. It is advisable to reach out to your bank representative to determine the specific turnaround time for your institution.

  4. Setting Payroll Dates: You can enter all payroll information and select a specific check date for processing. If you do not upload the ACH file on the same day payroll is processed, you can submit it on your preferred date. However, confirming the bank’s processing and turnaround times is recommended to ensure that funds are processed and posted on the intended date.

Conclusion

After uploading an ACH file, expect a confirmation email from your bank and be aware that processing times can vary. For specific turnaround times, contacting your bank representative is recommended. You can also manage payroll dates flexibly, ensuring that everything is set up according to your schedule.