ACH Company Discretionary Data is a 20 character long, optional field in the Batch Header Record of a NACHA file. While many businesses leave it blank, it can be used for department codes, payment priorities, or internal tracking. Its purpose is bank- or originator-defined and won’t affect settlement. ACH Pro lets you easily add this field when your bank requires it.

ACH Pro empowers banks to better serve ACH originators by reducing file errors, simplifying onboarding, and enhancing client satisfaction. This cloud-based tool lets business customers create NACHA files with ease — supporting CCD, CTX, and PPD entries, QuickBooks integration, and compliance. It's the modern ACH solution for forward-thinking financial institutions.

An ACH NOC (Notification of Change) is a message from a receiving bank that a payment was processed but future entries need updated info. Learn what causes NOCs, how to read correction codes like C01 or C02, and why acting within 6 days is crucial. ACH Pro helps you easily update and resubmit corrected ACH files.

An ACH return happens when a payment can't be processed and is sent back by the recipient’s bank. This guide explains what causes ACH returns, how to interpret return codes, and steps you can take to prevent errors — like validating account info and sending prenotes. ACH Pro helps streamline your process and reduce return rates.