Table Of ContentACH Administrator’s Guide
Gesa@Work
BUSINESS SERVICES
by Gesa Credit Union
Gesa@Work
ACH
Administrator’s
Guide
Overview
Introduction
to
ACH
With
Gesa’s
online
banking
service,
Gesa@Work,
your
company
will
be
able
to
originate
electronic
transfers
of
funds
between
your
company’s
and
other
parties’
accounts
using
the
Automated
Clearing
House
(ACH)
network.
These
batch
types
accommodate
direct
deposit,
recurring
debits,
corporate
and
tax
payments
and
their
electronic
delivery
to
Gesa
Credit
Union
for
further
processing.
ACH
transactions
allowed
by
Gesa
Credit
Union
are:
• PPD—Prearranged
Payment
and
Deposit
Entry.
These
are
direct
deposits
or
preauthorized
payments
for
consumer
accounts.
Direct
Deposit
may
be
payroll,
pension,
interest,
dividends,
etc.
Preauthorized
payments
may
be
mortgage
payments,
insurance
premiums,
installment
loan
payments,
etc.
•
CCD—Corporate
Credit
or
Debit.
These
transactions
can
be
credits
or
debits
where
funds
are
transferred
between
unrelated
corporate
entities
or
transmitted
as
intra-‐company
cash
concentration
and
disbursement
transactions.
Getting
Started
with
ACH
Once
you
have
indicated
to
Gesa
that
you
are
interested
in
using
these
services
and
have
supplied
the
requested
documentation,
Gesa
will
approve
your
company’s
ACH
origination
authority
based
on
several
criteria.
With
information
from
your
business,
we
will
establish
your
maximum
ACH
debit
and
credit
limits
to
protect
your
organization
and
the
credit
union
against
financial
loss.
Batch
transactions
released
in
excess
of
these
established
limits
will
be
rejected.
• Outgoing
payroll
deposit
batches
will
require
that
collected
funds
be
available
in
the
offset
Gesa
account
on
the
day
the
file
is
released
for
processing.
• Outgoing
credit
files
over
$10,000
will
also
require
a
fax
authorization
that
will
include
the
business
name,
account
number,
dollar
amount
of
the
file,
and
the
signature
of
an
authorized
signer
on
the
business
account
or
a
designee
appointed
on
the
ACH
Origination
Agreement.
Processing
Cutoff
Times
Batches
you
release
on
business
days
(Monday
through
Friday,
excluding
holidays)
before
2:00pm
Pacific
Time
at
least
two
business
days,
but
no
more
than
5
business
days,
will
be
processed
on
the
same
day.
Batches
released
after
the
cutoff
time,
or
on
non-‐business
days
may
not
be
processed
in
time
for
the
requested
effective
date.
The
term
“processed”
means
Gesa’s
approval,
sorting,
and
distribution
of
your
released
ACH
transactions,
not
the
actual
posting
of
them
to
the
destination
accounts.
Company
Set
Up
Once
Gesa
has
approved
your
access
to
ACH
origination
through
Gesa@Work,
the
company
administrator
must
establish
the
appropriate
parameters
for
ACH
files
originated
by
your
business.
Authorized
users
for
your
company
must
also
be
set
up
by
the
administrator
prior
to
the
creation
of
ACH
batches.
To
establish
the
appropriate
ACH
limits
and
approvals
for
the
business,
the
administrator
can
follow
these
steps.
1. Login
into
Gesa@Work
through
the
Enter
your
Administrator
Sign
On
ID
and
password
Business
tab
at
Gesa.com
2. Select
Administration
>
Company
Setup
The
Company
set
up
page
displays
allowing
businesses
to
set
transfer
parameters
such
as
to
automatically
generate
pre-‐notes,
set
maximum
dollar
amounts
per
ACH
transaction
and
ACH
batch
and
number
of
approvals
required.
3. Click
Continue
Complete
the
appropriate
information
and
click
Continue
to
save
Note:
The
maximum
limits
per
transaction
and
per
batch
cannot
exceed
the
limits
set
by
Gesa
for
your
business.
Under
ACH
-‐
Check
the
Automatically
Generate
Pre-‐notes
checkbox
for
the
system
to
automatically
create
and
release
Pre-‐notes
for
new
or
changed
transactions.
Maximum
Deposit
Transaction
–
Enter
the
dollar
limit
that
cannot
be
exceeded
for
a
single
credit
transaction
within
each
batch.
Maximum
Withdrawal
Transaction
-‐
Enter
the
dollar
limit
that
cannot
be
exceeded
for
a
single
debit
transaction
within
each
batch.
Maximum
Batch
Deposit
Total
-‐
Enter
the
dollar
limit
that
cannot
be
exceeded
for
the
‘total
credit
transactions’
in
each
batch.
Maximum
Batch
Withdrawal
Total
-‐
Enter
the
dollar
limit
that
cannot
be
exceeded
for
the
‘total
debit
transactions’
in
each
batch.
Number
of
approvals
Required
-‐
Enter
1
or
2
approvals
for
each
Batch
Type
shown.
Note:
The
maximum
limits
per
transaction
and
per
batch
cannot
exceed
the
limits
set
by
Gesa
for
the
business.
User
Set
up
As
an
Administrator
for
the
company
you
may
follow
these
steps
to
create
a
new
user
for
your
business
or
to
edit
an
existing
user,
and
establish
the
appropriate
ACH
access
rights.
1. Login
into
Gesa@Work
Enter
your
Administrator
Sign
On
ID
and
password
2. Select
Administration
>
User
Setup
The
User
set
up
page
displays
allowing
the
businesses
to
Add
a
New
User
or
Edit
an
existing
user
3. Click
on
Add
New
User
or
Edit
to
update
an
existing
user.
Scroll
down
to
the
ACH
section
in
the
Edit
User
page
and
complete
the
appropriate
information
for
the
user.
If
adding
a
new
user,
enter
the
user
name
and
ID,
accounts
and
user
privileges.
If
editing
a
current
user,
update
the
pertaining
information.
4. Click
Continue
After
the
fields
have
been
updated,
click
Continue
to
save
it.
Note:
When
creating
new
users,
the
first
time
the
user
logs
in,
they
will
be
required
to
change
the
temporary
password
set
by
the
Administrator.
From
within
the
Administration
menu
1.
Select
Administration
>
User
Setup.
The
User
set
up
page
displays
allowing
the
business
to
add
a
New
User
or
Edit
an
existing
user.
2.
Click
on
Add
New
User
or
Edit
to
update
an
existing
user,
the
Edit
User
page
displays.
Scroll
down
to
the
ACH
section
and
complete
the
appropriate
information
for
the
user
as
follows
Setup
Templates
-‐
Allows
to
setup
templates
Add
Batches
–
Creates
a
batch
from
an
established
template
Edit
Batches
-‐
Edit
information
within
an
established
batch
(use
the
Normal
or
Sensitive
Batch
rights
to
identify
batch
types
can
be
accessed
when
setting
up
templates
or
batches)
Release
Templates
-‐
Release
batches
to
the
institution
for
processing
First
Approval
–
Grants
first
approval
rights
for
a
batch
First
Approval
Limit
-‐
Enter
the
dollar
limit
allowed
for
the
first
approval
Second
Approval
–
If
using
more
than
one
approval,
grants
second
approval
rights
for
a
batch
Second
Approval
Limit
-‐
Enter
the
dollar
limit
for
the
second
approval
Note:
When
creating
new
users,
the
first
time
the
user
logs
in,
they
will
be
required
to
change
the
temporary
password
set
by
the
Administrator.
Risk
Management
Tip:
You
will
be
able
to
give
users
access
to
all
or
some
of
the
functionality
available.
It
is
important
to
understand
that
assigning
certain
functions
to
subsequent
users
is
just
like
handling
those
users
your
checkbook—
treat
those
functions
accordingly.
You
will
need
to
manage
your
users
to
ensure
that
only
the
functionality
that
is
applicable
to
their
job
is
assigned
to
them.
Remember,
if
the
user
ever
quits
performing
that
job,
you
will
need
to
disable
or
delete
their
access
rights
immediately.
ACH
Templates
A
batch
template
must
be
created
first
to
Add
a
Batch.
Templates
can
be
created
from
scratch
or
by
importing
the
batch
information.
A
batch
template
is
used
for
Automated
Clearing
House
(ACH)
transfers
such
as
direct
deposit
of
payroll,
payment
of
bills
or
to
concentrate
funds
from
other
financial
institutions.
Create
ACH
Templates
To
create
templates
follow
these
instructions.
1. Login
into
Gesa@Work
Enter
your
Administrator
Sign
On
ID
and
password
2. Select
ACH
>
Batch
Templates
>
Add
Batch
Template
Complete
the
fields
to
identify
your
template
3. Click
Continue
The
ACH
Template
header
will
be
saved
and
the
system
will
take
you
to
the
Transactions
page
4. Fill
in
the
participant’s
account
information
If
the
amounts
are
unknown
or
they
change
every
time,
create
the
ACH
Batch
with
zero
dollar
entries
and
then
use
the
Edit
link
under
the
Batch
Manager
to
update
them.
If
your
dollar
amounts
are
always
the
same
enter
them
here.
5. Click
Save
The
system
will
save
the
information
and
will
also
validate
the
routing
numbers.
If
any
routing
numbers
are
incorrect
an
error
message
will
appear
and
the
row
will
be
highlighted.
Note:
There
is
an
Optional
feature
to
search
the
Routing
number
if
the
information
is
not
known
or
to
validate
a
known
Routing
number,
click
the
ABA
link
next
to
the
Routing
field
to
open
a
new
window
and
do
the
search.
Tip:
To
have
the
same
addenda
record
for
all
transactions,
first
save
the
template
and
then
select
Edit
Info
from
the
Batch
Template
menu.
When
the
Change
ACH
Batch
Template
page
displays,
enter
the
addenda
information
and
check
the
box
for
Add
Addenda
to
All
and
Continue.
Complete
the
fields
as
follows:
Template
Name
–
Enter
short
name
to
identify
the
template
Template
Description
–
Enter
a
description
of
up
to
35
characters
Batch
Type
–
Select
the
type
of
ACH
for
the
template
from
the
drop
down
list.
PPD
for
to/from
personal
accounts
(for
payroll
direct
deposit)
or
CCD
for
to/from
business
accounts.
Batch
Security
–
Select
if
the
batch
will
be
normal
or
sensitive.
Note:
Any
user
that
has
the
right
to
view
ACH
batches,
can
access
the
Normal
type,
however
only
users
with
batch
rights
for
Sensitive
Batches
will
be
able
to
see
batches
marked
as
Sensitive.
Note:
If
you
are
using
the
Generate
Offset
option,
an
additional
line
to
select
the
Offset
Account
will
display
for
the
business
user.
Click
Continue.
The
ACH
Template
Transactions
page
displays.
The
information
entered
in
previous
page
will
appear
in
the
top
of
the
page.
Fill
in
the
following
fields:
Name
–
Enter
the
name
of
the
receiving
party
–
22
characters
maximum
ID
–
Enter
the
identifying
number
for
the
receiving
party
-‐15
characters
maximum
Deposit
–
Enter
the
amount
of
the
deposit
Withdrawal
-‐
Enter
the
amount
of
the
withdrawal
Account
–
Enter
the
receiving
account
number
Routing
#
-‐
Enter
the
Routing
and
Transit
number
(RTN)
of
the
institution
receiving
the
funds
Type
–
Select
the
type
of
account
of
the
receiving
party
Pre
–
Check
this
box
if
a
pre-‐note
should
be
generated
Edit
–
Click
on
this
link
to
add
addenda
records
–
80
characters
maximum
6.
Click
Save
Note:
There
is
an
Optional
feature
to
search
the
Routing
number
if
the
information
is
not
known
or
to
validate
a
known
Routing
number,
click
the
ABA
link
next
to
the
Routing
field
to
open
a
new
window
and
do
the
search.
Tip:
To
have
the
same
agenda
record
for
all
transactions,
first
save
the
template
and
then
select
Edit
Info
from
the
Batch
Template
menu.
When
the
Change
ACH
Batch
Template
page
displays,
enter
the
addenda
information
and
check
the
box
for
Add
Addenda
to
All
and
Continue.
Tip:
When
the
amounts
are
unknown
or
they
change
every
time,
create
the
ACH
Batch
with
zero
dollar
entries
and
then
use
the
Edit
link
under
the
Batch
Manager
to
update
them.
Edit
Template
To
modify,
add
or
delete
information
previously
stored
in
an
ACH
template,
follow
this
steps.
Select
ACH
>
Batch
Templates.
The
ACH
Batch
Template
list
displays.
Check
the
checkbox
for
the
template
and
use
the
Action
links
next
to
each
batch
to
update
it.
Select
the
action
link
as
appropriate:
• Edit
Temp
–
Allows
the
update
of
the
batch
information
such
as
Name,
ID,
amounts
of
Deposit
and
Withdrawal,
Account,
Routing
#,
Account
Type
and
Addenda.
This
link
is
also
used
to
remove
a
complete
line
of
the
batch,
by
clicking
on
Del.
• Edit
info
–
Allows
the
update
of
the
batch
heather
details
such
as
Batch
Template
Name,
description,
batch
type
and
batch
security.
This
link
is
also
use
to
add
addenda
to
all
records
at
once
using
the
Add
Addenda
to
All
checkbox
and
entering
the
addenda
information,
or
to
delete
existing
addenda
by
checking
the
Clear
All
Addenda
checkbox.
• Del
–
Allows
the
deletion
of
the
batch
template
• Add
Batch
–
Use
to
create
new
batches
• Copy
Temp
–
Allows
you
to
create
an
exact
copy
of
an
existing
template
• Reverse
–
Allows
the
creation
of
a
batch
with
opposite
entries.
Any
values
that
were
created
originally
as
credits
will
become
debits
and
vice
versa,
however
account
information
and
routing
numbers
will
remain
the
same.
• Export
CSV
–
Allows
the
export
of
a
batch
template
into
a
comma
separated
value
format.
• Export
ACH
–
Allows
the
export
of
a
batch
template
into
a
NACHA
format
file.
Click
Continue
Description:documentation, Gesa will approve your company's ACH origination authority
based . Tip: To have the same addenda record for all transactions, first save the
