How your consumer customers benefit from “Direct Deposit via ACH” messaging

Consumers see the electronic deposit of funds for payroll, employee expense reimbursement, government benefits, tax and other refunds, and annuities and interest payments as a safe, convenient choice. Many rely on the ACH Network and its attributes without even knowing it.

The consistent use of the term “Direct Deposit” increases consumer understanding and adoption of this safe, secure, convenient, and green payment method, supports awareness of enhanced payment products, and ensures improved user experiences.

Adding the differentiating phrase “via ACH” helps consumers draw the connection between the positive attributes of trusted ACH payments like Direct Deposit and the ACH Network. This linkage underscores that the ACH Network is a safe, secure, reliable, and convenient Network for a range of direct account-to-account electronic payments, providing additional peace of mind for consumers.

Increased understanding equates to increased trust in you and the payment options you provide.

Whether you use NACHA’s “Direct Deposit” terminology or special branded Direct Deposit products, be sure to add the phrasing “via ACH” to emphasize the role the ACH Network plays and to underscore its attributes. For example, the product SurePay becomes "SurePay via ACH," or the product EZ Pay becomes "EZ Pay via ACH."

The goal of using this terminology, phrase, and messaging is to drive your customers' understanding of ACH payments and help enable you to better meet their payment expectations.


Q: If a consumer makes a tax payment, is that a Direct Deposit or a Direct Payment?

A: It is a Direct Payment. The consumer is paying the government, which does not exemplify the traditional definition of Direct Deposit.

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