CertiflexDimension ACH Interface Files
The CertiflexDimension Payroll Advanced Direct Deposit and Accounts Payable ACH EPay modules do not generate a NACHA file to send directly to your bank. Instead, the system allows you to configure an ACH interface file that can be imported into your bank’s ACH processing system.
Your bank’s specific requirements will determine what information must be included in the ACH interface file. For example, some banks do not require recipient bank account or routing numbers in the interface file, while others do.
Suggestions for Setting Up and Processing ACH Interface Files in CertiflexDimension
  1. Limit access to individual recipient (vendor/employee) ACH/Direct Deposit maintenance information within CertiflexDimension. This information is restricted from general review and reporting. If recipient bank account information is stored in CertiflexDimension, you may optionally configure your interface system to display only the last four digits of the account number on recipient receipts.
  2. Limit access to the option that creates the ACH interface files within CertiflexDimension.
  3. IMPORTANT SETUP
    1. Banks typically require ACH interface files to be in an open, plain-text format. Therefore, it is critical that your IT department creates a secure folder where CertiflexDimension writes the ACH interface file. Access to this folder should be restricted to personnel authorized to log in to your bank’s ACH portal.
    2. After successfully importing the ACH interface file into your bank’s portal, your company should have policies and procedures in place for either securely deleting or encrypting the plain-text ACH file.
NACHA Rule Changes for ACH Originators – June 2026
For banks that allow client ACH payments to vendors and employees through their ACH payment portals, new rules apply to your bank as the ACH originator.
Regardless of whether you manually enter payment information into your bank’s ACH portal or use a system like CertiflexDimension to export ACH interface data, your company should maintain at a minimum, a written plan outlining how vendors and employees enroll in ACH payments and how they request changes to their ACH information.
Suggestions on Minimum Company ACH Guideline Plan
  1. New Enrollment
    1. Enrollment forms should include the recipient’s bank name, account holder name, account type, routing number, and account number, along with the recipient’s signature, signature date, and effective date.
    2. Forms should also include recipient contact information (name and phone number) and clearly outline procedures for making future changes to their ACH payment information.
    3. It is standard practice to require two-step authentication for enrollments that are not completed in person.
    4. All enrollment documents should be securely stored by the company.
    5. Most banks require a $0.00 or $0.01 pre-note transaction before initiating live ACH payments for new recipients.
  1. Changes to Existing Recipient ACH Information
    1. Change requests should require the recipient to complete a new form with updated signatures, signature dates, and an effective date.
    2. For changes not completed in person, two-step authentication should be mandatory. Do not rely on emailed or texted forms, as these can be easily spoofed and present a high-fraud risk. When in doubt, contact the recipient directly by phone.
    3. All change request documents should be securely stored by the company.
    4. Most banks may now require a $0.00 or $0.01 pre-note transaction before new account or routing numbers can be used.
    5. Be aware that banks may now delay processing ACH payments for changed accounts due to updated NACHA rules designed to reduce fraud risk.