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Automated Clearing House - ACH

MY CU Services’ Automated Clearing House (ACH) services are designed to assist credit unions with the rising demand for electronic funds transfers.

Receipt & Returns

ACH Receipt & Returns streamlines the way your credit union receives ACH files. It does not require you to load or maintain software at your credit union. Your credit union has the power to determine whether you wish to process multiple ACH files from the Federal Reserve throughout the day, or combine the various presentments into one file for posting in your host system. In addition, your credit unions can also choose to have your vendor pick up files via secure SFTP.

Receipt & Returns allows your credit union to easily create ACH returns or notification of change items. MY CU Services handles all software upgrades, including Nacha Rules-related updates to assist with your credit union’s compliance to the ACH rules.


ACH origination functions occur through our online platform. There is no software to load on your computers and/or maintain on your credit union's end. The originations system allows your credit union to set up one-time and/or recurring ACH transactions. All standard ACH formats are supported. MY CU Services handles all software upgrades, including Nacha Rules-related updates to assist with your credit union’s compliance to the ACH rules.

ACH for Business

Client Access through our ACH Originations solution enables business members to access and maintain their own originations. ACH originations are a great payment tool for businesses to utilize. How so? Well, it’s an electronic, contactless form of payment with quick, consistent and secure processing through the Federal Reserve.

Help your business members ditch the need for checks or anything of that sort. Make our Client Access ACH originations program part of your offerings. It’s a payment solution your business members can appreciate today, tomorrow and well into the future!

ACH Audit Services

Looking for someone to complete your annual ACH audit? Then you’ve come to the right place! MY CU Services offers ACH Audit Services to credit unions. Our certified staff will take a look at your ACH information to determine compliance with Nacha Rules. In the end, you’ll receive a detailed audit report that meets Nacha and NCUA requirements.

Some benefits of MY CU Services’ ACH audit services include:

  • Audit can be performed at any time of the year.
  • Option for remote audit via secure portal or on-site audit.
  • Accredited staff with experience in the regulations and operations sides of ACH.
  • Convenient option for credit unions that use our ACH services.
  • Potential for MY CU Services to help resolve audit findings.

If your credit union wants a comprehensive and accurate ACH audit, look no further than MY CU Services!

Want to know more about our ACH services? Check out the ACH FAQs to find the answer to the most commonly-asked ACH questions.

For additional information on our ACH services or to schedule your ACH audit, please contact our sales team at (888) 985-7280 or

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