Automated Clearing House (ACH) Origination

Take advantage of the speed, accuracy and efficiency of electronic payment collection and disbursement withWestern Santander Bank ACH Debit and Credit origination services.1 They enable your business to collect payments, disburse payments and control your cash flow efficiently and securely in a variety of consumer and commercial payment types.

Features & Benefits

  • Lowers the costs of processing, storing and reconciling manual checks

  • Automates your collection process and eliminates the administrative time and expense normally associated with processing paper-based receivables

  • Reduces payroll costs and employee time. Employees automatically receive any credit to their accounts, and no longer need to go to a bank to deposit checks

  • Lessens exposure to check fraud. With no checks to steal or lose, there is no need to stop payments on or reissue checks

  • Improves customer satisfaction by allowing you to accept more payment options

  • Provides an audit trail of payments, and more accurate cash flow forecasting

ACH Credit Origination

ACH Credit origination services can be used for:

  • Payroll Direct Deposit, which electronically credits an employee’s checking or savings account

  • Quickly and easily making Federal and State tax payments

  • Replacing paper checks issued to vendors with electronic payments, which can reduce administrative expenses and potential fraud

ACH Debit Origination

ACH Debit origination services can be used for:

  • Automating your collection process, making it quick and easy

  • Enhancing your credit management process with accurate payments from your customers

  • Ensuring timely receipt of payments, so you can improve your ability to forecast cash flow

1. All offers of credit are subject to credit approval. This functionality is based on the National Automated Clearinghouse Association (NACHA) 2017 rule adopting Same Day ACH Origination Solution as amended in 2020. Requires enrollment in Business Online Banking. Some products and services may be subject to prior approval or fees. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.