ACH Setup Question

[acctax01]

Ken, were you able to get this to work? I'm still having the same problem getting the information I need from my bank.
For years I have tried to honor my clients request for direct deposit of payroll. So far I have not been able to make direct deposit work. The instructions in PayWindow are easy to follow, but when I call the local Bank of America to ask for the Immediate Destination Routing Number or Immediate Destination Name or Immediate Origin Routing Number or any of the information that the bank is to supply, it is as if I am speaking a different language. No one seems to know what I’m talking about when asking for this information. When the local BOA was not able to assist me I was transferred to a regional VP and like the local branch, he had no idea what I was asking for. He transferred me to the IT department and likewise, no one in IT knew what I was asking for. Now, one employee has asked that his payroll be direct deposited onto a pre-paid debit card and I’m running into the same problem. My questions, Are there other terminologies I should be using when asking for bank supplied information? Once an ACH data file is created, how is it transferred to the bank? Can any of the PayWindow users provide an actual example of the information entered into each of the required fields? How to obtain the information? Any help would be greatly appreciated. Thanks.

[Paul Mayer]

You cannot ask anyone to share account information which is to be kept private.

But this link here shows you examples of data that was modified to keep private:

http://zpay.com/pw-online-help/direct_deposit_data_items.htm

Since your local bank has no understanding or knowledge of NACHA / ACH files, you need to ask them who to contact up the chain of your bank until you get to the people that can answer those questions.

Also each bank is different on how you "give" the exported NACHA file to them. Some have a website, others give you a small computer program and so on. And you can only get that answer from your bank.

What I suggest after setting up you do a 1 penny payroll test and if there are items that they were not sure of use something that you will recognize like 9999999999 so when you do the test they will come back and tell you 9999999999 should be (the correct info here).

These are the four pages in the help file regarding Direct Deposits:

http://zpay.com/pw-online-help/DirectDepositACHTab.htm
http://zpay.com/pw-online-help/DirectDepositStepbyStep.htm
http://zpay.com/pw-online-help/direct_deposit_data_items.htm
http://zpay.com/pw-online-help/DirectDepositTab.htm

I know it took one lady over six months fighting with her bank before she finally had what she needed. My thoughts are that her bank did not support it and she forced then to.

[acctax01]

My sincere apology, I was not seeking specific private information, however, I was looking for someone to tell me for example the entered they used for Immediate Destination Name. In the PayWindow example you list FEDERAL RESERVE. What I’m asking is if anyone filled in this entry did they enter, for example, Federal Reserve of Dallas or Federal Reserve of San Antonio, etc. Or when setting up ACH the bank representative said something like Oh, Immediate Destination Routing Number is the same as the routing number on your check, as an example. Not my intention to ask for private information, my apology.

[acctax01]

Follow up to previous post: FYI: I did a search of some of the terminology used in setting up ACH. What I found helpful was the difference in wording. Example in the PayWindow example under Immediate Destination Name you entered FEDERAL RESERVED with the caption “Enter the Immediate Destination Name provided by your bank in this entry.” I found the following to more helpful to me. For Immediate Destination Name: This field contains the routing number of the bank or credit union receiving the file. The fact that it identified the bank receiving the file was a tremendous help. Likewise with Immediate Origin Routing, PayWindow caption states: “In this field enter the Immediate Origin Routing number provided by your bank.” More helpful to me - This field contains the routing number of the bank or credit union sending the file. Again, knowing that the bank sending the file is what helped me understand what to ask the banks. I hope others find this useful and I ask PayWindow to consider modifying its terminology to a more simple explanation like the examples provided in this note for all entries for setting up ACH Direct Deposit.

[Paul Mayer]

You have 23 characters to use for the Immediate Destination name, if they do not know what it should be, then enter one of those choices you thought it may be. Then when you do the test, they will tell you what they expected to see. Looking in the PDF file we have linked, they show "BOFA SAN FRANCISCO" in the example for that data element.

But we never want to ask someone for data they used as some will not even thing that it may be sensitive and post it where anyone can see.

[Paul Mayer]

Follow up to previous post: FYI: I did a search of some of the terminology used in setting up ACH. What I found helpful was the difference in wording. Example in the PayWindow example under Immediate Destination Name you entered FEDERAL RESERVED with the caption “Enter the Immediate Destination Name provided by your bank in this entry.” I found the following to more helpful to me. For Immediate Destination Name: This field contains the routing number of the bank or credit union receiving the file. The fact that it identified the bank receiving the file was a tremendous help. Likewise with Immediate Origin Routing, PayWindow caption states: “In this field enter the Immediate Origin Routing number provided by your bank.” More helpful to me - This field contains the routing number of the bank or credit union sending the file. Again, knowing that the bank sending the file is what helped me understand what to ask the banks. I hope others find this useful and I ask PayWindow to consider modifying its terminology to a more simple explanation like the examples provided in this note for all entries for setting up ACH Direct Deposit.

I made some new screenshots and edited the page in the help file that describes the data elements using the PDF file as a guide. This may be a little more helpful:

http://zpay.com/pw-online-help/direct_deposit_data_items.htm

[acctax01]

Thanks. The new screenshots and updated help content is a tremendous help. I really appreciate the additional help and the extra attention you have given to making PayWindow Direct Deposit easier to setup. I have a much better understanding of what is needed for each field entry. Again, thanks for adding the additional help text and screenshots.