About your Treasury Management Service

ACH Direct Transmission and ACH Direct File Manager

ACH payments at Huntington Bank can be initiated through direct transmission using a Nacha formatted file. ACH provides a method to originate a large volume of disbursements and collections electronically

Essentials to know

Key things to know about ACH Direct Transmission

If you originate ACH transactions by sending files directly, you can continue to do so using our ACH Direct Transmission service.

Action Items

What you need to do

View Recorded Webinars

Reporting

Familiarize yourself with reporting, especially ACH Returns reporting that should be monitored daily for Returns and Notifications of Change (NOCs). For customers receiving the returns reporting through Business Online, you will find the ACH Returns and Notifications of Change (NOCs) report, under “Special Reports”.

Account Numbers, Routing Numbers

Refer to the mailings sent in mid-June for information about your account and routing numbers.

File transmissions

Ensure you send ACH payment files to Huntington Bank.

Provide control totals for all files sent via transmissions. A control total should be provided shortly after the file is transmitted to avoid processing delays.

Frequently Asked Questions

What’s the cutoff time for same-day ACH Direct Transmissions?

The same-day ACH cutoff time for Direct Transmissions is 2:45 p.m. ET.

Note that same-day ACH is not available for international ACH transactions.

What happens to files submitted on a non-banking day or after the cutoff time?

Files submitted on a non-banking day or after the latest cutoff of the current banking day are processed as if received on the next banking day.

What ACH payment types are supported?

We support all ACH payment types including Tax and Child Support to all 50 states, Federal Tax Payments, and credit and debits for both consumers and businesses. We also support international ACH transactions.

When I transmit ACH files, how do I notify Huntington Bank of my control totals?

You can take advantage of Direct ACH File Manager, a service that allows you to enter your control totals directly into our ACH processing software, eliminating the need to manually match control totals to your file. Direct ACH File Manager also offers you the option of setting up several alerts at no extra cost to keep you informed of the status of your ACH transmissions. Clients can also send their control file totals through a separate file sent via transmissions.

Are alert emails available?

Yes. Status alert emails are available to Direct ACH customers using Direct File Manager to supply their control totals.

How do I receive ACH Returns and Notifications of Change (NOCs)?

Reporting of Returns and Notifications of Change is typically done through Huntington Business Online ACH Returns Report. You will automatically be set up to receive this report in Business Online regardless of how you submit ACH payments. If you prefer, this information can also be provided to you in a direct file transmission.

Returns reported by the ACH Operator in the early morning window are available to view at the start of business. Returns that come in later in the day are available for online view the following business day.

When does Huntington report ACH Returns or Notification of Change (NOCs)?

ACH returns and NOCs are updated once per day. This differs from Cadence. Cadence reports returns and NOCs multiple times per day.

How do I correct an error if my file has been received (reversals and deletes)?

ACH reversals and deletes (transactions, batches, and/or files) sent through transmission may be submitted by an authorized company representative either through Direct ACH File Manager or by emailing an ACH Maintenance form to our ACH department. The ACH Maintenance form can be found in Business Online under “Contact Us”.

What are acceptable reasons for a reversal request?

Acceptable reasons for a reversal request include:

Duplicate entry
Payment to/from a receiver the originator did not intend
Orders a debit entry earlier than the receiver intended
Entries related to a receiver’s employment where the full amount of the credit has been delivered to the receiver by check at or prior to separation of employment (and the entry was submitted prior to the delivery of the check)

Does Huntington automatically repair ACH transactions when a Notification of Change is received?

Yes, we correct ACH transactions after the third occurrence. Please note that fees may apply for each NOC received as well as the automated repair.

What ACH remittance reporting is available?

ACH summary and detail reporting are available. ACH summary information is available on a current-day basis. Detail reporting is available through the previous day report and includes available remittance information.

What happens if I exceed my ACH Limits?

If you exceed your ACH limit, your ACH batch(es) will be suspended and your Relationship Manager will contact you. If you need to send an ACH transaction that is in excess of your typical payment amount, contact your Relationship Manager to discuss a temporary increase.