How Do I Send an Ach Payment from My US Bank Account?
Entrepreneurs and small businesses are using ACH transfers to send or receive payments for their businesses. US Bank allows customers to send ACH payments online or through the mobile app with just a few clicks or taps on the screen. ACH payments can be sent same-day or scheduled for a later date, and due to the three-step verification method, US Bank ACH transfers are very secure.
Small businesses rely on ACH payments, and US Bank makes it easy to send an ACH transfer from an account, but how do you send it? You can find out more about how individuals and small business benefit from US Bank accounts by calling customer service, and below are steps for sending an ACH payment.
How to Send an ACH Payment Through US Bank
US Bank allows customers to send ACH transfers online and via the mobile app by doing the following:
- From the US Bank website or mobile app, log into your account.
- Click "Transfers" on the computer, or tap "Pay Bills & Transfer" on the app.
- Select the "ACH Transfers" widget on the computer or "Send an ACH Payment" on the app.
- Click or tap the blue text that reads "Send Payment."
- Fill out the form that opens on the screen, including the payee's deposit account information.
- Click or tap "Continue."
- You will be prompted to add an optional memo to the transfer if you wish. For example, you can add a memo that reads "supplies" or "childcare services."
- Add the amount of money you are sending and click or tap "Continue."
- Carefully review the information entered to make sure it is correct. If changes are needed, click or tap "Edit" and make the necessary corrections, then hit "Continue."
- Read the terms and conditions of ACH transfers and check the box stating you have read and agreed to those terms.
- Hit "Submit."
- You will receive a one-time code via email or text. Enter this code in the area marked "Verification Field" to complete the ACH transfer.
- An approval email will be sent to you, and you must complete the approval before 8 p.m. Central Time for same-day payments or within three business days for regular payments. If more than one person is on the account, an approval email will be sent to each person. This will require a secondary approval before the funds will be sent.
Benefits of ACH Payments
There are three major benefits to making ACH payments, including:
- Lower overhead costs: because these payments don't require a paper copy, the overall costs are cheaper than using paper checks.
- Security: US Bank, and other major financial institutions, have several safety and security measures in place to protect your assets.
- Convenience: ACH transfers can be scheduled at any time, making them an easy, convenient way to transact business. This is a win for you and those you pay.
Sending an ACH payment with US Bank is an easy process. For more information or assistance with an ACH transfer, contact US Bank customer support.
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