• How do I get started using EZ-ACH®?
• How can I be sure my bank/credit union will accept files created by EZ-ACH?
• Why do I need to involve my financial institution in this?
• What ACH formats does EZ-ACH® support?
• Can EZ-ACH be used on a network?
• Can EZ-ACH® be used to electronically collect returned checks?
• Are there ongoing costs for EZ-ACH® software? Are there any costs for transactions? Are there any transaction fees for checks not paid, etc.?
• The current version of EZ-ACH® is 4.0.4. What is the difference between it and version 3.0?
• Do you accept credit card payment for EZ-ACH® ?
• How is EZ-ACH® licensed?
• Is EZ-ACH® compatible with Windows?
• I provide payroll services for a number of small businesses, can EZ-ACH® be used to create output files for different banks?
• Can the import function be set up to automatically import files or is it strictly a manual process (i.e. Can you set up a batch process to import a file from another platform)?
• What formats does the import function support?
• What type of output is created? Does your package send the file by modem?
• Does EZ-ACH® use a check digit in the routing transit number for error checking?
• Does EZ-ACH® work with ODBC databases?
• Can I run a check through an MICR reader and directly populate a field(s) in EZ-ACH® or must I create a file and import it?
• What is your return/refund policy?

Please download our new Quick Start Guide for step-by-step instructions on how to create your first ACH Origination file.

EZ-ACH® creates a 94-bit NACHA formatted ACH origination file that most financial institutions will accept. We cannot, however, guarantee that your financial institution will accept a pre-formatted file created by a third party software. To ensure that they do, we encourage you to contact your financial institution directly.

There are many reasons why we encourage you to talk to your bank or credit union before making the decision to purchase our software. For one, some banks prefer to use their own proprietary software for ACH processing. Another reason is that not all banks process ACH files. Some banks prefer raw data be sent to them for processing. Others will happily accept your ACH Origination file created by EZ-ACH®. We want you to be confident in your purchase of EZ-ACH®.

The current EZ-ACH® V4.0.4 for Windows supports the WEB (new for Internet transactions), TEL (new for Telephone transactions), PPD, CCD, CIE, POP, and RCK formats.

EZ-ACH® V3.0.X supports PPD, CCD, CIE, POP, and RCK formats.

EZ-ACH® V2.3 for DOS supports the PPD, CCD, CCD+, CIE, and CTX formats.

Please note that versions 2.3 and 3.x are no longer available for purchase.

No, EZ-ACH® is for use on a single computer. We cannot support any type of problems resulting from using EZ-ACH® on any type of network.

Yes, NACHA rules allow for checks to be represented over the ACH Network. EZ-ACH® supports the Standard Entry Class Code "RCK" (for Represented Check Entry) that became effective on September 17,1999.

There are no on-going fees or transaction costs from APC. Service firms that use EZ-ACH® to provide an ACH service to other firms will probably charge fees. Of course, if you are the firm that buys EZ-ACH® then the only transaction costs would be from your bank or credit union that will be "originating" the ACH for you and passing it to the Federal Reserve for distribution to all of your customers' or employees' banks and credit unions.

The following improvements or corrections have been made:

• Expanded support on error checking for corrupted records
• Support for TEL- and WEB-type entries
• Support for putting EIN in the File Header Record Support for "General Ledger"-type accounts
• Enhanced import functionality to allow field delimiters to be ignored within strings
• "Set As Default" button on Import/Update dialog to allow field contents to be saved as the default values.
• "Backup Drive" changed to "Backup Directory" and changes made to allow it to be any accessible directory.
• Printing of Transmittal Register and Transmittal Summary is now optional
• Miscellaneous usability and help file enhancements.

Yes, we accept VISA, MasterCard, and American Express.

EZ-ACH® is licensed per seat or per computer. This means that if you want to install it on four computers, you will need to order 4 licenses.

Yes, the current version 4.0.4 was developed for the Windows environment. Version 3.x also runs in Windows. Version 2.3 was developed for DOS but runs fine under Windows 95 ® , 98®, 2000®, Millenium Edition® (ME), Windows NT and XP®. Windows 2000® and XP® customers using multiple logins may need additional technical support provided to them.

EZ-ACH® offers multi-origination bank capability. A template is simply created that contains the originating bank information for each of your customers.

File importing is a very powerful feature of EZ-ACH® . You can set up a description of your file to be imported. Then, each time you want to import the file, run the import function. File import can match on routing-transit numbers, names, some unique identifier (e.g. customer number, employee number) or a combination of these fields.

ASCII character delimited (comma, space, or etc.)

ACH files are written to the hard disk or a diskette. The files can then be transmitted using Microsoft's Hyperterminal, Terminal, or any other free/fee file transfer program that you have. Alternatively, the file can be hand-delivered on a diskette to your originating financial institution. Please note that because EZ-ACH® is a standalone software package, we cannot provide technical support for communications software provided by your financial institution or for Microsoft Hyperterminal, e-mail programs or Internet browsers.

Yes, it uses the standard Routing-Transit number check digit routine but allows you to override.

EZ-ACH® does not import data directly from an ODBC database. The data must first be exported to an ASCII file (sometimes called a flat file) and then it can be imported into EZ-ACH®. A layout file must be created, but this is a one-time step - it does not have to be re-created or modified if the format of the data remains the same. After the data has been imported into EZ-ACH®, it can then be modified, sorted, etc. When an origination file is created from the source file, it is converted to NACHA format.

EZ-ACH® can import a character delimited file that was produced by a program that uses a MICR to capture the routing-transit and account number on checks.

Please go here to view the EZ-ACH® Return / Refund Policy.