Online Banking, Treasury Management Article

ACH Transactions: What Every Small Business Should Know

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As a small business owner, understanding Automated Clearing House (ACH) transactions is essential, as more and more banking tasks are performed electronically. There are many instances when a small business can use ACH transactions. For example, you might use ACH to move money between your own bank accounts that exist at different banks, initiate direct deposits for employees, pay a vendor or collect payment from a customer. One of the biggest advantages for a business to use ACH payments is to be able to process banking transactions in batches, instead of single items.

Like all major decisions you make for your business, it is important to have a thorough understanding of ACH before deciding if it will be right for your business. While there are a few challenges associated with using ACH, there are many key benefits to note.



How to get started with ACH

Ask about your options to make ACH available on all or selected new accounts.

ACH payments can be an efficient way for small businesses to facilitate direct payments, payroll, and other transactions electronically. For a thorough guide that explains all of the electronic payment options available to small businesses, download the Small Business Payments Toolkit. This free resource was developed by the Business Payments Coalition, a group of organizations and individuals volunteering to promote greater use of electronic business-to-business (B2B) payments.

Contact us to get started with ACH at Stellar Bank or to learn more about our small business banking services. Our team is made up of some of the brightest and most committed professionals in the industry. We are passionate about guiding you to the full-service banking solutions your business needs to meet its goals.

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