About your TM Service

Automated Clearing House (ACH) Direct Transmission

ACH payments at Huntington Bank can be initiated via direct transmission using a Nacha formatted file.

Essentials to know

Key things to know about ACH Direct Transmission

    Action Items

    What you need to do

    Training

    Preview period

    • On or after January 5, 2026, establish your User ID and Password for Business Online using the link provided in Veritex online banking.

      Note: Administrators must log in first to accept the Huntington Business Online Agreement.

    Payment history

    • Download and save your ACH payment history for your records prior to January 16, 2026.

    Reporting

    • Use the Business Online preview period to 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 "Reports" and "Special Reports".

    Account Numbers, Routing Numbers, and ACH Company IDs

    • Watch for pre-transition mailings containing your new Huntington Bank account numbers, routing numbers and new ACH Company IDs.

    File transmissions

    • Establish file transmission protocols prior to January 20, 2026.
    • Review the separate communications sent to you regarding how and where to send your ACH origination files following the transition.
    • File testing is required.

      Note: ACH origination files should not be delivered to Huntington Bank prior to 11:00 p.m. ET on January 16, 2026.

    Frequently Asked Questions

    Yes. For direct transmission, you will need to make changes to your transmission protocols. A Huntington Bank technical representative will contact you prior to the January 20, 2026 transition to provide details on file format requirements and testing.

    The same-day ACH cutoff time for Direct Transmissions is 2:45 p.m. ET. Files submitted on a non-banking day or after the latest cutoff of the current banking day will be processed as if received on the next banking day.

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

     

    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.

    You will be able to take advantage of Direct ACH File Manager, a convenient 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.

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

    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 regardless of how you send your payments to us. If you prefer, this information may be provided to you in a direct file transmission.

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

    ACH reversals and deletes (transactions, batches, and/or files) 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”.