Pay Vendors and Employees Electronically
ACH Origination Services help businesses manage cash flow with greater efficiency, control, and convenience. Whether you need to pay employees, collect payments, or move funds between accounts at different financial institutions, ACH can simplify routine transactions and reduce the time spent managing payments. By reducing reliance on paper checks, ACH can help improve operational efficiency while providing added protection against check fraud.
Additional Features:
- Enhanced Security: FIDO Security Keys that help secure and limit access to ACH functionality
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Dual control capabilities: Businesses have the option to require two employees to approve each ACH batch before processing
Processing Timeline and Fees
ACH batches submitted by the daily cut-off time of 3:30 p.m. PST can be processed as soon as next-business-day or scheduled up to 3 weeks ahead of time. Fees are assessed against the business account on the last business day of each month.
Our Cash Management system allows users to upload:
- NACHA
- CSV
- Fixed position or delimited TXT file types
| Service | Fee |
| Cash Management set-up fee | $150 |
| Monthly Fee | $35 |
| Per-batch fee | $5 |
| Per-item fee | $0.15 |
Frequently Asked Questions
All Frequently Asked QuestionsBaker Boyer does not currently originate same day ACH transactions. If the batch is submitted by 3:30 PM PT, it can be processed as soon as the next business day.
New users may be created by having an Admin user email the request to the Cash Management department (CMSupport@bakerboyer.com). Please include the name, email address, permissions to be granted, and the phone number of the new user to expedite the process.
If it is before our cut-off time (generally, 3:30 PM PT) and the batch has been submitted on the same day, you can UNINITIATE the batch and then re-enter it with the correct information. If it’s after cut-off or the batch has been submitted on a previous day, contact the Bank for assistance. There may be a fee to make this correction on the Bank’s end. If uncertain on what options are available, contact CMSupport@bakerboyer.com as soon as possible. Certain correction options are time-sensitive.
If your software has the capability of creating a NACHA file, this is the preferred file type. If your system is not able to create a NACHA file, our system also accepts TXT and CSV file types.
Need more help with ACH?
For step-by-step instructions or additional details, you can download our ACH Origination Cash Management User Guide.
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