ACH Payment Overview and Navigation

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Prerequisites

To view and navigate ACH transactions, you need:

• Access to the Treasury Prime Console with any Banker role
• ACH activity for the program you want to review

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About the ACH area

The ACH area lists every ACH transaction across the programs you can access, organized into several tabs:

• Originated ACH: Outbound ACH transfers sent on behalf of your programs.
• Originated ACH Returns: Originated ACH transfers that were returned.
• Incoming ACH: Inbound ACH transfers received into your accounts.
• Incoming ACH Returns: Incoming ACH transfers that were returned.
• Flagged ACH (Needs Review): Originated debit ACHs flagged for review that have not yet been marked as reviewed.

The ACH area opens to the Originated ACH tab by default. Use it as the daily reference for tracking ACH status, finding transactions, and reviewing transaction detail. To act on a returned ACH, see Return an ACH.

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How to navigate the ACH lists

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1. Open the ACH area

1. Log into the Treasury Prime Console
2. Click Payments in the left navigation menu
3. Select ACH from the payments submenu

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2. Switch between ACH lists

Click a tab at the top of the ACHs screen to switch lists, such as Originated ACH, Incoming ACH, and others. Each row summarizes a transaction, including the counterparty, amount, status, and creation date. Click any row to open its detail page.

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3. Filter and search the lists

Narrow a list using the filters above the table. The available filters depend on the tab:

• Originated ACH lists filter by source, service, status, direction, and created date.
• Incoming ACH lists filter by source, status, and created date.

To jump directly to a specific transaction, click the Search icon (magnifying glass) in the top right corner of the Treasury Prime Console and enter the ACH ID (e.g., ach_1234567890abcde for an originated ACH, or inach_1234567890abcde for an incoming ACH). Select the matching result to open its detail page.

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Read an originated ACH

Click a transaction in the Originated ACH or Originated ACH Returns list to open its detail page. The current status appears in the top right corner, and the page is organized into the following sections:

• Summary header: The transaction’s key facts, including the counterparty, amount, credit or debit type, service (e.g., Sameday), description, and source.
• Originating Account and Receiving Account: The two sides of the transfer, including each account holder, account and routing numbers, and account or counterparty IDs.
• ACH Details: Processing details such as type, service, effective date, scheduled settlement date, SEC code, trace number, and related ACH IDs.
• Addenda: NACHA addenda records attached to the transaction, when present.
• User Data: Custom metadata associated with the transaction by the program.
• Bank Data: Internal metadata for the transaction, such as hold IDs.

Note: An originated ACH can be canceled while its status is still Pending. A cancellation banner appears at the top of the detail page when the transaction is eligible. To cancel an originating ACH, see Cancel an Originating ACH.

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Read an incoming ACH

Click a transaction in the Incoming ACH or Incoming ACH Returns list to open its detail page. The current status appears in the top right corner, and the page is organized into the following sections:

• Summary header: The transaction’s key facts, including the originator, amount, ACH type (e.g., debit or credit), company description, and effective date.
• Originator Details: Information about the sending party, including company name, company ID, financial institution, and trace number.
• Receiving Account: The account that received the funds, including account holder, account and routing numbers, and the incoming ACH ID.
• ACH Details: Processing details such as the original transaction ID, effective date, SEC code, transaction code, and exception type.
• NACHA Body: The raw NACHA record for the transaction.

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Troubleshooting

Common issues and solutions:

• An ACH does not appear in a list: Confirm you are on the correct tab for the transaction’s direction (originated or incoming) and whether it is a return. Adjust or clear the filters, including the Created date filter, which may exclude recent or older transactions.
• Cannot find a specific transaction: Use the global search with the transaction’s exact ACH ID. Verify you have access to the program the transaction belongs to.
• Status has not updated: ACH transactions progress through statuses as they process. If a status appears stuck or unexpected, contact Treasury Prime support.