I am new to ACH origination.
This might be a dumb question for me to ask but I'll ask it.

We have a customer who currently does not have the capability to create an ACH transaction on our cash management system. Our customer needs to pay a City tax by ACH next week. The city will not accept a wire transfer nor will they accept a check.

Is it sufficient having the customer fill out our Funds Transfer request form to initiate an ACH transaction?


Our Funds Transfer Request form quotes the following: "Bank may execute a payment order through any funds transfer system or intermediary bank which Bank deems reasonable to accomplish the transfer. Customer agrees to be bound by the rules of the funds transfer system utilized."

If the city requires payment via ACH, then the city should have a way to initiate that ACH transaction themselves. I would start there.

If that doesn't work, you can initiate an ACH transaction, but you need to follow all of the pre-note requirements and timelines.