ACH Services

Web-Based ACH Origination Services

Thinkwise Credit Union proudly offers Browser-Based ACH Direct Services in partnership with Magic Wrighter, a leader in fintech and payments solutions. Our comprehensive ACH offering is designed to streamline financial operations for our business members, making it easier to manage ACH payroll direct deposits, cash management transfers, pre-authorized debits, vendor payments, and more—all backed by a competitive fee schedule.

With an intuitive, browser-based platform, ACH Direct Services enhances our ability to support business members while fostering strong, lasting relationships. Key features include dual controls, risk-limit management, prenoting, and multifactor authentication, all ensuring a secure and compliant environment. Our robust reporting and auditing capabilities enable close monitoring of client activities, making ACH Direct an essential component of our treasury management and business e-banking solutions.

Our dedicated teams provide extensive training and support, along with best practices guidelines, to help you seamlessly implement your ACH solutions.

ACH Direct Services Offerings

Payroll Direct Deposit

  • Simplified and cost-effective payroll direct deposit solutions

  • User-friendly interface suitable for all types of businesses

  • Employees can distribute their payroll across multiple accounts at any institution

  • Ability to create ACH files or import payroll data from various software

  • Email notifications provide employees with advance notice of deposit amounts and dates

Vendor Payments & Cash Management

  • Tools for transferring funds between corporate accounts at your institution and other banks

  • Improved cash flow and efficient payments to partners, with options for pre-authorized debits

  • Utilize CCD entry class codes for detailed payment information and invoice tracking

  • Optional email notifications for immediate payment confirmations

  • Convenient alternative to wire transfers, checks, and costly payment methods

Pre-Authorized Payments

  • Automated payment solutions for easy collection from consumer accounts

  • Streamlined electronic payments on a pre-authorized basis each billing cycle

  • Higher payment rates and reduced collection costs for business clients

  • Predictable cash deposits to corporate accounts

  • Use PPD entry class codes for recurring payments such as rent or memberships

HSA Funding

  • Quick and simple contributions to employee health savings accounts via payroll deduction

  • Flexible scheduling for contributions, including every payday

  • Email notifications to employees upon ACH posting

  • Detailed tracking of contributions against IRS limits

Tax Payments

  • Convenient electronic payment options for federal and state taxes

  • Automatic debits from corporate accounts on scheduled payment dates to reduce errors

  • Built-in codes for a wide range of federal and state tax payments to ensure accuracy

At Thinkwise Credit Union, we are committed to providing the tools and support necessary for your business to thrive. If you are interested in ACH Origination Services, please reach out to a Thinkwise Credit Union Business Services Representative to confirm the specific documentation required for your business type.