Overview

In order to process ACH transactions for applicant deposits, Glide generates NACHA files for transactions submitted via Glide.

To learn more about ACH origination and the flow of funds, see our ACH Origination Overview guide.

Integration

In order to get started with integration for ACH origination, please send the answers to the following questions to your integration team at Glide

1. Please provide the RTN and name of your financial institution (Origin) — this identifies you as the file's originator.

2. Please provide the RTN and name of the institution or processor that receives your ACH file for processing (Destination) — e.g., the Federal Reserve Bank, or your ACH gateway/processor if you route through a third party.

3. Please provide the name your financial institution uses on NACHA files (max length 24). ex. "GLIDE CREDIT UNION"

4. Please provide the RTN of the GL your financial institution uses.

5. Please provide the customer statement name (max length 16) ex. "GLIDE CU"

6. Please provide your daily cutoff time for ACH payments. The default is 4pm ET.

7. Please provide a recent NACHA file that you have used and have uploaded to the Fed.

8. Does your financial institution warehouse ACH credits? Some financial institutions do not warehouse ACH credits (instantly post credits to accounts instead of observing settlement date).

9. Please specify the Credit Offset in days for the credit to post to the account holder's share after the debit lands into the GL?

   1. Credit Offset Days: As part of the ACH Origination process, we can offer the ability to configure credit offset days. By configuring this value, this results in the associated credit having a delayed effective credit date and allows time for the financial institutions involved in the transaction to reduce risk. Please specify the number of credit offset days for ACH credit transfers

​