Automated Clearing House

Our Automated Clearing House (ACH) solution is a dependable collection and payment system that can help optimize your company’s cash flow and overall productivity.

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ACH network

Automated Clearing House

ACH payments are electronic payments transmitted through the Automated Clearing House (ACH) Network. In 2024, there were 33.6 billion ACH payments totaling $86.2 trillion. That volume represented a 6.7% increase over the previous year, while the total dollar amount processed increased by 7.6% compared to the previous year. Meanwhile, Same Day ACH processed 1.24 billion payments totaling $3.23 trillion during 2024, according to Nacha (National Automated Clearing House Association). With the volume of payments increasing year after year, what is your company waiting for?

Maintain optimal cash flow

Speed and efficiency in collection, initiation, concentration and disbursement of funds are an important economic consideration for companies of any size. Our ACH solution is a dependable collection and payment system that can help optimize your company’s cash flow and overall productivity.

Benefits of ACH

At Cadence Bank, our ACH services can help your company with:

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    Cash Flow & Statements

    More predictable - By originating ACH transactions, you determine the effective date of the settlement to your account, resulting in more predictable cash flow.
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    Optimize Funds

    Concentrate your funds - By using ACH to concentrate your funds, you minimize idle balances and have access to more funds for investments or loan payments.
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    Payment Delivery

    Faster and more reliable - Regardless of location, unexpected weather or transportation delays, you are assured that funds can be paid or collected on time.
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    Reduce Cost

    Flexibility for payments and receivables - ACH provides a convenient, low-cost and flexible way to make payments and receive funds by eliminating the need for check printing, mailing and reconciling expenses and the hassles associated with lost and stolen checks.

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How Does ACH Work?

  1. Direct Deposit gives you a safe and convenient way to pay your employees, wherever they may bank.

  2. Pre-Authorized Payments electronically collect money from your customers and are particularly valuable for recurring payments.

  3. Tax Payments allows you to pay both federal and state taxes electronically. Once you have signed up with the Internal Revenue Service or your state tax agency, you simply begin initiating your payments. The deadline for receiving your files, batches and entries is business days at 6 p.m. CST, excluding holidays.

  4. Same Day ACH Origination gives you the ability to expedite payments or collections requiring same-day receipt for single transactions, $1,000,000 or less, at a fraction of the cost when compared to domestic wire transfer. Same Day ACH also provides you with a contingency option for emergency payrolls or missed payment deadlines.

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Other Payables Management services

Integrated Payables and Outsourced Disbursements

Wire Transfer Services

Invoice-to-Pay

Prepaid Solutions

Account Reconciliation

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*Source: NACHA, The Electronic Payments Association®

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