All your ACH payments managed in one place.
Business Digital Banking gives you a complete ACH hub to originate payments, manage returns, and stay on top of change notifications — without logging into a separate system. A built-in routing number directory makes it easy to verify beneficiary account details before you send.
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Send payments or collect funds via ACH — single entries or recurring batches. Supported SEC codes include PPD, CCD, and more, covering payroll, vendor payments, and business-to-business transfers.
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Use the built-in Routing Number Directory to verify a receiving institution's routing number before you originate a transfer. Reduce errors and return fees by confirming details upfront.
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When a receiving bank sends an NOC indicating updated account or routing information, it appears in your Business Digital Banking ACH center. Review and update recipient details directly — no paper forms required.
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ACH returns are consolidated into a single view, with reason codes clearly labeled. Decide how to handle each return — resubmit with corrected information, contact the recipient, or write it off.
Business Digital Banking supports common ACH SEC codes used by businesses, including PPD (personal payments, payroll), CCD (business-to-business), and others. For specific origination limits and available SEC codes, contact your Treasury Management Officer.
A Notification of Change (NOC) is a message sent by a receiving bank to inform you that the account number or routing number for a recipient has changed. Previously, these were handled by paper or separate banking portals. Now, NOCs appear directly in your Business Digital Banking ACH center so you can update your records quickly.
Returned ACH items appear in your Returns center with a reason code explaining why the transaction was returned (e.g., incorrect account number, insufficient funds, account closed). You can review the reason and decide next steps — including correcting information and resubmitting or stopping future attempts.
The account administrator can place an ACH stop payment on specific transactions or originators. This permission can also be granted to authorized sub-users. ACH stop payments prevent matching debits from posting to your account.
ACH origination limits are set per account based on your business's relationship with Elements. Contact your Elements Treasury Management Officer to discuss your current limits or to request a limit review.
