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Automated Clearing House (ACH) Processing for Your Business

ACH Origination service from ESL is just another way we answer to you. By helping to streamline a variety of your payments in a safe, secure way, you’ll have more time to focus on making your business grow.

Fast and easy electronic payments give me the control I need.

Sign up for ACH Origination today.
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  • Features & Benefits

    With ACH origination from ESL, you can take advantage of the speed, simplicity, and security of electronic payment processing.

    • Streamline the processing of payments. With our timesaving ACH origination service, you can disburse your payroll, make a wide variety of payments, and move money electronically from one account to another.
    • Collect receipts faster. Thanks to the speed of direct deposits, you’ll get your money quickly. Which will improve your cash flow.
    • Spend less time on money management. With fewer checks to process, you’ll have more time for everything else you have to do.
    • Quickly create templates you can use in the future. It’s another example of the efficiency ACH origination brings to debit and credit processing.
    • Get the safety and security you expect from ESL. It’s another way we answer to you.

    Now you know why more and more businesses are processing incoming and outgoing transactions with ACH origination from ESL.

  • Specifics


    To take advantage of ACH origination, you need to have an ESL business checking account and be a Business Online Banking user.

    Using ACH Origination

    Once you sign up for our ACH origination service, you’ll find that it’s easier than ever to process payments and collect receipts:

    1. Step One: Sign in to ESL Business Online Banking.
      No separate login required.

    2. Step Two: Quickly create and upload files to guide the electronic processing of your debits and credits.
      You can also create templates that will simplify the origination process in the future.

    3. Step Three: Use your Security Token to approve your ACH transactions.
      Your Security Token lets you generate a one-time code for each transaction. It’s another way we help you keep your transactions and financial information safe and secure.

    Once your files are uploaded and your ACH transactions are approved, we’ll make your payments and collect receipts for you automatically. That’s all there is to it.

    Transaction Time Line

    • ACH transactions can be made Monday through Friday (excluding federal holidays).
    • ACH transactions received after 5 p.m. ET are processed the next business day.
  • Fees

    ACH Origination Fees

    Fee Type
    Fee TypeACH Online Origination
    DescriptionMonthly fee to originate ACH transactions in business online banking.
    Fee$35.00 per month

    Fees may change. 


  • How to Sign Up

    Take advantage of our electronic ACH origination service today.

    Have additional questions?

    Ready to sign up?

    • Call 585.336.1315 to speak with an ESL Commercial Banking Relationship Manager today or submit an online form to request a callback.

    ACH origination from ESL. It’s further proof that ESL means business.