ACH Direct 2025

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The ACH Direct User Guide provides essential information for users of Key Bank's ACH Direct service, detailing its functionalities such as online control totals, email notifications, origination calendars, transaction inquiries, and electronic payment authorization. It outlines how to navigate the system, manage authorizations, and utilize various features to enhance cash management and protect against debit fraud.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Why is ACH taking money out of my account?

The payee sends a request via the ACH network to pull funds from the payers account. A common example is automatic bill payment for utilities, insurance, loan payments, etc.

How do I stop my ACH from going through?

When you make an ACH debit payment from your bank account, the payee will initiate an electronic withdrawal directly from your account. An ACH debit transaction does not involve physical paper checks or debit card. The only information the payee needs is a bank account and routing number.

How do I remove ACH from my bank account?

The usual process is to first contact the merchant and tell them youre withdrawing your permission for them to use ACH against your account, then tell your bank/credit union the same thing. There should not be a fee for canceling your permission.

What does direct ACH mean?

An ACH direct deposit is a type of electronic funds transfer made into a consumers checking or savings account from their employer or a federal or state agency. The most common types of ACH direct deposits include salary payment, tax returns, and government benefits. ACH transfers have made paper checks obsolete.

Is ACH direct deposit safe?

An ACH payment is also safer than using some money transfer services because the recipient of the funds usually needs an American bank account. This means recipients give enough identification for law enforcement to find them should fraud or other illegal activity be involved.

Why was ACH debited from my account?

An ACH transaction is an electronic money transfer made between banks and credit unions across a network called the Automated Clearing House (ACH). ACH is used for all kinds of money transfers, including direct deposit of paychecks and monthly debits for routine payments.

ACH Direct 2025

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