ACH Support

Yes, the software can send or receive files via a secure FTP folder. Return or origination files can be dropped in an FTP folder by the credit union or processor, delivered to CatalystPay, and sent to the Fed automatically or be approved by a credit union user. Receipt files can also be received from the Fed and delivered to a credit union or processor’s FTP folder to post to the member accounts. Contact the ACH Team for more information.

Yes. If the credit union has ACH origination services with Catalyst and the processor can place their Nacha formatted origination or return files in a Catalyst FTP folder, Catalyst can pick up the file and upload it to CatalystPay. If the credit union only has ACH receipt services with Catalyst, Catalyst can pick up the credit union’s return files but not the origination. If the credit union is interested, please first contact the core processor to confirm they can place the Nacha formatted return or origination files in a Catalyst FTP folder then contact the ACH Team to start the project. 

Items are sent to the Fed at 9:00 a.m. CT, 1:00 p.m. CT, 3:00 p.m. CT, and 6:30 p.m. CT. Same Day items can be included in all windows except 6:30 p.m. CT.

This tab includes links to NACHA’s website, Catalyst's annual audit confirmation, file delivery and processing deadline chart, holiday schedule, training guides, CatalystPay updates and news. The Resource tab is updated periodically.

ACH files are received from the Fed and delivered to the credit union, or the credit union’s processor *6 times per day at approximately 10:30 a.m. CT, 2:30 p.m. CT, 4:30 p.m. CT, 7:30 p.m. CT, 10:30 pm CT and 2:30am CT

*The Fed can send more files during the day based on the volume of entries received.

**There will not be a 7:30 p.m. CT file on Friday.  The Fed will deliver the 5th file from Friday’s work on Sunday at approximately 7:30 p.m. CT and the 6th file on the next business day at approximately 2:30 a.m. CT.

Yes, you can see the time an ACH batch or file was sent to the Fed by looking at the ACH Cut-Off Time column under ACH File Recently Released and ACH Originated Batches Recently Release sections.  Under the Overview tab, the user can also view the batches that are ready to be sent to the Fed at the next scheduled cutoff and have already been sent to the Fed during the past 24 hours.

Items are sent to the Fed at 9:00 a.m. CT, 1:00 p.m. CT, 3:00 p.m. CT, and 6:30 p.m. CT. Same Day items can be included in all windows except 6:30 p.m. CT.

This tab includes links to NACHA’s website, Catalyst's annual audit confirmation, file delivery and processing deadline chart, holiday schedule, training guides, CatalystPay updates and news. The Resource tab is updated periodically.

ACH files are received from the Fed and delivered to the credit union, or the credit union’s processor *6 times per day at approximately 10:30 a.m. CT, 2:30 p.m. CT, 4:30 p.m. CT, 7:30 p.m. CT, 10:30 pm CT and 2:30am CT

*The Fed can send more files during the day based on the volume of entries received.

**There will not be a 7:30 p.m. CT file on Friday.  The Fed will deliver the 5th file from Friday’s work on Sunday at approximately 7:30 p.m. CT and the 6th file on the next business day at approximately 2:30 a.m. CT.

Yes, you can see the time an ACH batch or file was sent to the Fed by looking at the ACH Cut-Off Time column under ACH File Recently Released and ACH Originated Batches Recently Release sections.  Under the Overview tab, the user can also view the batches that are ready to be sent to the Fed at the next scheduled cutoff and have already been sent to the Fed during the past 24 hours.

When using either the Create ACH Transactions or Template options, there is a prenotification box on each entry line. Click the box, and the entry amount will change to zero. If a prenote is entered in a scheduled template, after the template run date, the credit union user must edit the template to add the actual amount and uncheck the box before the next scheduled run date.

Contact the ACH Team to request a temporary or permanent limit increase. The limit can be increased up to the amount of the credit union’s line of credit. If the batch or file was rejected due to the limit, a credit union user will need to click on the rejected batch and derive it to a new one and submit it for approval after the limit is increased.

The ACH – Reconciliation tab can be used to view a snapshot of activity for any given date. For example, under Incoming, expand Total Downloaded to view all the files received during that date. Click on the file to either view the batches, download, or print to PDF. Under the Outgoing section, click on Total Originated or Total Returns for all the items originated or returned during that specific date.

Another alternative is to use the ACH – Search tab for research. Choose the criteria to search for Returns or all entries, Direction – Outgoing/Incoming for origination or receipt items, or any number of combinations to find the specific data.

Prior to September 28, 2020, the live date of CatalystPay, the Reconciliation tab will not include receipt files, but the ACH – Search tab can be used to view incoming items. The credit union can only view the details beyond 6 months in either the Reconciliation or Search tabs if they have the optional archive service.

By going to the Approve/Release tab under ACH File Recently Released or by going to Upload/Download tab under ACH File Recently Uploaded or by use of the Reconciliation tab by clicking on the blue plus sign next to Total Uploaded on the left-hand side under Outgoing.

Items are sent to the Fed at 9:00 a.m. CT, 1:00 p.m. CT, 3:00 p.m. CT, and 6:30 p.m. CT. Same Day items can be included in all windows except 6:30 p.m. CT.

This tab includes links to NACHA’s website, Catalyst's annual audit confirmation, file delivery and processing deadline chart, holiday schedule, training guides, CatalystPay updates and news. The Resource tab is updated periodically.

ACH files are received from the Fed and delivered to the credit union, or the credit union’s processor *6 times per day at approximately 10:30 a.m. CT, 2:30 p.m. CT, 4:30 p.m. CT, 7:30 p.m. CT, 10:30 pm CT and 2:30am CT

*The Fed can send more files during the day based on the volume of entries received.

**There will not be a 7:30 p.m. CT file on Friday.  The Fed will deliver the 5th file from Friday’s work on Sunday at approximately 7:30 p.m. CT and the 6th file on the next business day at approximately 2:30 a.m. CT.

Yes, you can see the time an ACH batch or file was sent to the Fed by looking at the ACH Cut-Off Time column under ACH File Recently Released and ACH Originated Batches Recently Release sections.  Under the Overview tab, the user can also view the batches that are ready to be sent to the Fed at the next scheduled cutoff and have already been sent to the Fed during the past 24 hours.

When using either the Create ACH Transactions or Template options, there is a prenotification box on each entry line. Click the box, and the entry amount will change to zero. If a prenote is entered in a scheduled template, after the template run date, the credit union user must edit the template to add the actual amount and uncheck the box before the next scheduled run date.

Contact the ACH Team to request a temporary or permanent limit increase. The limit can be increased up to the amount of the credit union’s line of credit. If the batch or file was rejected due to the limit, a credit union user will need to click on the rejected batch and derive it to a new one and submit it for approval after the limit is increased.

The ACH – Reconciliation tab can be used to view a snapshot of activity for any given date. For example, under Incoming, expand Total Downloaded to view all the files received during that date. Click on the file to either view the batches, download, or print to PDF. Under the Outgoing section, click on Total Originated or Total Returns for all the items originated or returned during that specific date.

Another alternative is to use the ACH – Search tab for research. Choose the criteria to search for Returns or all entries, Direction – Outgoing/Incoming for origination or receipt items, or any number of combinations to find the specific data.

Prior to September 28, 2020, the live date of CatalystPay, the Reconciliation tab will not include receipt files, but the ACH – Search tab can be used to view incoming items. The credit union can only view the details beyond 6 months in either the Reconciliation or Search tabs if they have the optional archive service.

By going to the Approve/Release tab under ACH File Recently Released or by going to Upload/Download tab under ACH File Recently Uploaded or by use of the Reconciliation tab by clicking on the blue plus sign next to Total Uploaded on the left-hand side under Outgoing.

Under ACH-Reconciliation, choose the specific date. Under the Incoming section, click the large blue plus sign next to Total Received to view the files and totals. Click on the file name to view the batches.

Under ACH-Reconciliation, choose the specific date. Under the Incoming section, click the large blue plus sign next to Total Downloaded to view the files. Click on the specific file and click Authorize for Download to download and save or view the Nacha formatted file.

Yes, there is a report for each file under the Reports tab.

Yes. Under ACH-Reconciliation, choose the specific date. The Same Day total for the day up to that point is shown under the Incoming Same Day Summary section. Click on Total Same Day Entries to view all the batches. The results can be downloaded to an excel or PDF report by clicking on the option above the results.

Yes. Under Upload/Download – ACH Files Ready to Download, click the boxes next to each file that should be included, click Download Selected ACH Files and the files will be combined. To download separately, click the box then Download Selected ACH Files for one file before downloading the next one.

Yes.  Under the Reconciliation page, choose your business date.  On the right side under the Incoming section, click on the blue plus sign next to Total Received, and click on the specific file to view the batches. The results can be downloaded into a CSV, Excel and PDF for further research. The ACH / Search function can also be used to view entries in a batch by searching for the batch amount or other search criteria.

As of 2024 NACHA has expanded the use of R17 return code to include situations where the RDFI can return an item believed to be questionable.

Items are sent to the Fed at 9:00 a.m. CT, 1:00 p.m. CT, 3:00 p.m. CT, and 6:30 p.m. CT. Same Day items can be included in all windows except 6:30 p.m. CT.

This tab includes links to NACHA’s website, Catalyst's annual audit confirmation, file delivery and processing deadline chart, holiday schedule, training guides, CatalystPay updates and news. The Resource tab is updated periodically.

ACH files are received from the Fed and delivered to the credit union, or the credit union’s processor *6 times per day at approximately 10:30 a.m. CT, 2:30 p.m. CT, 4:30 p.m. CT, 7:30 p.m. CT, 10:30 pm CT and 2:30am CT

*The Fed can send more files during the day based on the volume of entries received.

**There will not be a 7:30 p.m. CT file on Friday.  The Fed will deliver the 5th file from Friday’s work on Sunday at approximately 7:30 p.m. CT and the 6th file on the next business day at approximately 2:30 a.m. CT.

Yes, you can see the time an ACH batch or file was sent to the Fed by looking at the ACH Cut-Off Time column under ACH File Recently Released and ACH Originated Batches Recently Release sections.  Under the Overview tab, the user can also view the batches that are ready to be sent to the Fed at the next scheduled cutoff and have already been sent to the Fed during the past 24 hours.

When using either the Create ACH Transactions or Template options, there is a prenotification box on each entry line. Click the box, and the entry amount will change to zero. If a prenote is entered in a scheduled template, after the template run date, the credit union user must edit the template to add the actual amount and uncheck the box before the next scheduled run date.

Contact the ACH Team to request a temporary or permanent limit increase. The limit can be increased up to the amount of the credit union’s line of credit. If the batch or file was rejected due to the limit, a credit union user will need to click on the rejected batch and derive it to a new one and submit it for approval after the limit is increased.

The ACH – Reconciliation tab can be used to view a snapshot of activity for any given date. For example, under Incoming, expand Total Downloaded to view all the files received during that date. Click on the file to either view the batches, download, or print to PDF. Under the Outgoing section, click on Total Originated or Total Returns for all the items originated or returned during that specific date.

Another alternative is to use the ACH – Search tab for research. Choose the criteria to search for Returns or all entries, Direction – Outgoing/Incoming for origination or receipt items, or any number of combinations to find the specific data.

Prior to September 28, 2020, the live date of CatalystPay, the Reconciliation tab will not include receipt files, but the ACH – Search tab can be used to view incoming items. The credit union can only view the details beyond 6 months in either the Reconciliation or Search tabs if they have the optional archive service.

By going to the Approve/Release tab under ACH File Recently Released or by going to Upload/Download tab under ACH File Recently Uploaded or by use of the Reconciliation tab by clicking on the blue plus sign next to Total Uploaded on the left-hand side under Outgoing.

Under ACH-Reconciliation, choose the specific date. Under the Incoming section, click the large blue plus sign next to Total Received to view the files and totals. Click on the file name to view the batches.

Under ACH-Reconciliation, choose the specific date. Under the Incoming section, click the large blue plus sign next to Total Downloaded to view the files. Click on the specific file and click Authorize for Download to download and save or view the Nacha formatted file.

Yes, there is a report for each file under the Reports tab.

Yes. Under ACH-Reconciliation, choose the specific date. The Same Day total for the day up to that point is shown under the Incoming Same Day Summary section. Click on Total Same Day Entries to view all the batches. The results can be downloaded to an excel or PDF report by clicking on the option above the results.

Yes. Under Upload/Download – ACH Files Ready to Download, click the boxes next to each file that should be included, click Download Selected ACH Files and the files will be combined. To download separately, click the box then Download Selected ACH Files for one file before downloading the next one.

Yes.  Under the Reconciliation page, choose your business date.  On the right side under the Incoming section, click on the blue plus sign next to Total Received, and click on the specific file to view the batches. The results can be downloaded into a CSV, Excel and PDF for further research. The ACH / Search function can also be used to view entries in a batch by searching for the batch amount or other search criteria.

As of 2024 NACHA has expanded the use of R17 return code to include situations where the RDFI can return an item believed to be questionable.

The reports in the Reports tab include the settlement breakdown of each receipt file received from the Fed.

This tab includes links to NACHA’s website, training guides, Catalyst’s annual audit confirmation, ACH processing and deadline chart, holiday schedule and other services. The Resource tab is updated periodically.

This tab will show if there is a file or batch ready to be approved by a credit union user, the next cut-off deadline to send released return or origination items to the Fed, link to upcoming rules changes, training opportunities, or holidays.

The ACH – Search tab can be used to return items by searching for the amount, trace number, etc. and clicking on the item to derive a return. It can also be used to perform research for audits such as determining the number of IATs, returns, returns by return code, and NOCs a credit union received during a period of time. There are multiple search options and combinations that can be performed. If the credit union subscribed to the optional archive service, all the origination items sent through Catalyst and receipt items received by Catalyst will be available for 7 years. If the credit union does not have the service, the information is available for 6 months.

The ACH – Reconciliation tab can be used to view a snapshot of activity for any given date. For example, under Incoming, expand Total Received to view all the files received during that date. Click on the file to either view the batches, download, or print to PDF. Under the Outgoing section, click on Total Originated or Total Returns for all the items originated or returned during that specific date.

Another alternative is to use the ACH – Search tab for research. Choose the criteria to search for Returns or all entries, Direction – Outgoing/Incoming for origination or receipt items, or any number of combinations to find the specific data.

Prior to September 28, 2020, the live date of CatalystPay, the Reconciliation tab will not include receipt files, but the ACH – Search tab can be used to view incoming items. The credit union can only view the details beyond 6 months in either the Reconciliation or Search tabs if they have the archive service.

The Catalyst ACH group created a CatalystPay User Tips document that can be found in CatalystPay under the Resources tab. There is also a Help tab in the CatalystPay application.

Click on ACH – Reconciliation tab and choose the specific date. Under the Incoming section, view the Incoming Same Day totals or click on it for further details.

If a batch is beyond the allowable time frame to send to the Federal Reserve and the credit union elected to add the Warehouse option, the batch will move to the warehouse after it is released by a credit union user. The items in the Warehouse can be viewed under the ACH – Reconciliation tab. Under the Outgoing - Current Warehouse Batches section, click on the Total Batches in Warehouse for future details. If the batch should not be sent, click on it and reject it.

The red exclamation mark is to alert users of on hold batches where action is needed. The system will identify and place on hold possible duplicate batches, batches that exceed the credit union’s daily release limit, etc. Items on-hold for possible duplicates must be Decisioned. Batches on hold for exceeding the daily limit must be re-generated or derived to a new batch (after the limit is increased). To Decision an item, from the Overview page, click the line item then select either “Approve” if the batch should be processed, or “Reject” if the batch should not be processed, then enter a comment (for internal audit purposes.) If more information is needed to determine whether the item should be approved or rejected, use the Search function to find the item.

Yes, but a specific format must be used. The spreadsheet can be found by clicking Create ACH Transactions tab, selecting “none” for the ACH Template, selecting the Origination Type and Batch Information then clicking on Import Entries to Download a Template of the spreadsheet and instructions.   After the spreadsheet is completed, the same process can be used to upload the spreadsheet and create the batch.