Automated Clearing House

Citibank® ACH

Citi has been providing high-quality Automated Clearing House (ACH) Payment and Receivables Solutions to our clients for over two decades. We offer a full range of solutions that include the collection of consumer payments via the telephone, Internet or check-to-ACH conversion, as well as payments to employees and vendors.

ACH can streamline your payments and receivables processes for:

  • Consumer-initiated bill payments and pre-authorized debits
  • Direct deposit of payroll, pension payments and T&E reimbursements
  • Vendor payments
  • Mortgage and tax payments
  • Dividend payments
  • And a growing number of other ACH-facilitated applications

When you use ACH to make payments to employees and vendors, your company will benefit from:

  • Cost savings
  • Improved account reconciliation
  • Resource re-deployment

By using ACH to receive payments from customers, your company will benefit from:

  • Timely collection and cash flow
  • Reduced processing costs
  • Improved customer satisfaction

With either solution, you also enjoy a higher level of security. Client files come to Citi through our Automated Transmission Services.

Learn about the benefits of a multi-product solution that's customized for your specific North American or global payment needs.

CitiDirect® ACH

Citi's newest solution, CitiDirect ACH, simplifies and automates the complex ACH review and approval process with capabilities that provide enhanced transparency, control and usability.


Citi's enhanced web-based solution was specifically designed to provide you with the tools and information you need — when you need it. CitiDirect ACH enables users to access, navigate and manage ACH Debit transactions in Citi's secure online environment quickly and easily.


Accessed through the CitiDirect Online Banking portal, CitiDirect-ACH provides dual approval to mitigate fraud and reduce the costs and inefficiencies associated with inadvertently approving or rejecting ACH Debit payments.


With CitiDirect-ACH, users can set customized ACH Debit Filters and notifications to monitor and control ACH Debit transactions more effectively. In addition, advanced capabilities enable users to adjust system settings and controls in real-time to address evolving organizational needs.