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Quick Reference Guide: ACH File Upload

Overview

ACH File Upload feature of the TM platform is an important capability within the business payment process. Files that meet the following criteria can be uploaded for processing using the Create ACH Payment feature within JHA Treasury Management: NACHAformatted file, No more than 10,000 payments and Less than 10 MB in size.

Note: The workflow supports the existing fraud and risk controls that exist with the platform such as alerts, approvals and two factor authentication. The ACH File Upload feature capability is completely controlled by the bank and is available to a company and its users when the features are enabled at the bank and company level in the TM Back Office.

Benefits

Benefits for Banks

  • ACH payment capability
  • Back Office report providing visibility into ACH file activity
  • Ability to charge via Enhanced Account Analysis through a billing counter

Benefits for Customers

  • Easy upload of ACH files
  • Allows users to review, edit, and confirm ACH file contents
  • ACH Payment Activity reporting to easily track ACH file activity
  • Additional fraud risk point controls

Configuration

Upload a NACHA Formatted File

Navigate to Payments, then Select Create ACH Payment

  1. Navigate to Main Navigation Menu > Payments > Create ACH Payment > Upload NACHA File.
  2. Select a file to upload to begin creating a payment, then select Upload.
  3. On the File Summary view, review all batches within the file and payment details, then add the offset accounts (if applicable). Select Review to continue.
  4. Perform a final review before selecting Confirm to upload the file.
  5. The final view wil display a summary of the number of batches, the total debits, and total credits in the file.

Files that meet the following criteria can be uploaded for processing using the Create ACH Payment feature within:

  • JHA Treasury Management
  • NACHA formatted file
  • No more than 10,000 payments
  • Less than 10 MB in size

Possible Error Scenarios & Troubleshooting

Structural Validation

Validates the record length and structure of the file.

IMPORTANT: All errors will need to be corrected and the file uploaded again before you can proceed to the next step.

NACHA Validation

Validates against NACHA formatting requirements.

IMPORTANT: All errors will need to be corrected and the file uploaded again before you can proceed to the next step.

Business Rules Verification

  • Limits checked against ACH company and user limits.
  • ACH Company Match criteria in Treasury Management is validated against Silverlake ACH General Parameters.
TIP: Use the Print Errors button to print a formatted list of errors.

Review Payment Details

  1. On the Payment Detail progress tab, the user can verify the information is correct. From here, users can select Review to continue to the payment, or Cancel.
  2. Users have the ability to adjust the frequency.
  3. The effective date must be validated to complete the Review screen within the Payment Detail.
Note: Offset accounts will need to be verified when applicable.

Review Payment Details and Confirm

A final review can be conducted before selecting Confirm to upload the file. Users also have the option to go back and make edits to the frequency or the effective date, or they can cancel the upload.

Note: The final view will display a summary of the number of batches, the total debits, and total credits in the file.

Confirmation

  1. The Confirmation Success Message verifies the file has been uploaded.
  2. A link to the ACH Payment Activity screen is provided for quick and easy access.
  3. Users can simply close this task and move on to what is next in their schedules.

ACH Payment & File Activity

  1. Transaction ID opens the payment’s details.
  2. File Name opens the ACH file’s activity, where status information can be viewed.