My Accounts > ACH Transactions
This page displays all incoming ACH deposit records, such as your paycheck, pension, Social Security, or other items where funds are automatically deposited into your accounts through the Automated Clearinghouse (ACH).
The top section of the page lists all of your pending ACH (electronic) transactions with the amount of the transaction, the date the transaction will be posted, as well as the account the transaction will be posted to. The ACH Transaction tab will indicate the number of pending transactions.
The bottom section of this page lists the periodic ACH transactions you receive. If you select a transaction, you can update or add distributions, allowing you to control where your money is transferred after the initial deposit comes in.
Click the Company Name in the list to view or modify distribution details.
NOTE: You will not be able to change certain types of incoming ACH deposits, including deposits directly to loans and IRA accounts, as well as other special situations. Contact the credit union if you need to adjust the settings on any items you cannot update here.
A new page will display showing all of the existing distributions attached to the ACH deposit record you selected. (HINT: Notice the account number is displayed when you hover the mouse over any account description listed.)
Distributions will be listed in the order in which they are made. The item at the bottom marked ”All remaining funds” represents the account where funds leftover after all other distributions are done will be deposited. (You cannot change that account here; contact the credit union if that account is incorrect.)
HINT: What really happens behind the scenes is that all funds get deposited into the account at the bottom of the list. This is sometimes referred to as the "base" account. Then transfers are made out of that account to the other accounts listed (your "distributions"). Once all the transfers are done, any leftover money stays in the base account.
Next, to make changes or add new distributions, use the steps below (click to see step-by-step instructions):
The account number is displayed when you hover the mouse over the deposit account description.
If the member name reads "OTHER MEMBER," this is an account that is not on your approved transfer list for online banking, so you cannot change the item here. You will need to contact the credit union if you need to make changes to that distribution.
To change the order of existing distributions
To rearrange the order in which distributions will be made, click the up and down buttons to the left of to the distribution.
For example, if you want to make sure a loan payment is always made before depositing money into a savings account, you can put the loan payment as the first distribution.
To stop a distribution now
In your list of ACH deposits, click on the account name for the distribution you want to stop, then click the Delete button.
There will be one confirmation message; click the Yes, I am sure button to confirm and return to the list (or click Cancel if you change your mind). All remaining distributions will be reorganized automatically.
To stop a distribution at a date in the future
In your list of ACH deposits, click on the account name for the distribution you want to stop.
Click "Start on this date" and select a date from the calendar. Or type a date in the field provided.
Select "I do not want this distribution to end." Or type a date in the field provided.
Verify the settings, then click Accept.
To change the amount being transferred (or any other setting)
In your list of ACH deposits, click on the account name for the distribution you want to change.
Enter the new amount into the box (click here for tips on editing text in online banking).
Make changes to any other settings you wish.
Verify the settings, then click Accept.
To start distributing money to a different account
Click the Create new distribution button.
Click "I would like to enter an amount to distribute." Enter the dollar amount of the distribution (Click here for tips on entering dollar amounts in online banking.)
If the money is going into a loan account, instead of entering an amount, select "I would like to make a standard loan payment. This is recommended so that the correct payment amount is always used, especially if the loan's regular payment might change over time.
Choose an account from the list of available account numbers. Or, if available manually enter the account number, suffix and first three letters of the account owner's name.
NOTE: You will not be able to choose an account where deposits are not normally allowed in online banking, such as a certificate.
Enter a date for the distribution to begin. If you want this to begin the very next time this deposit is received, enter today's date.
Enter a date for the distribution to end.
Or, check the box next to I do not want this distribution to end instead so that the distribution will continue indefinitely until you delete it.
Click the Create button to proceed.
A confirmation screen will appear showing all of the settings you selected. If they are right, click Accept. Otherwise you can click the Back button (you must use the one at the bottom of the screen) to change any of the settings.
After you click Accept, you will see a list of the distributions for this particular incoming deposit.