ACH Origination Overview

Last updated: April 13, 2026

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

NACHA files are generated on business days and do not generate on federal bank holidays. Cutoff times do not observe daylight savings time. Files are sent via SFTP to the credit union.

If your credit union warehouses ACH credits, we combine the debit and credit transfers into one file. If your credit union does not warehouse ACH credits, we can separate the debits and credits into individual files and send the credit with a delay for protection against return risk.

To view our set up instructions, ACH Origination Set Up guide.

ACH Origination Flow of Funds

ACH Deposit Journey Overview

  1. Member would log in to their bank via Plaid Link within Glide.

  2. Glide collects information such as how much the member wants to fund and the account and routing numbers

  3. The next day, Glide generates a NACHA file with all the transactions from the previous day and SFTPs it to the credit union for processing.

  4. Because the credit union will be originating the transactions, they will handle any returns directly in the core system.

Account and Routing Number Validation

Glide uses Plaid Link to receive external account and routing number. Members can verify their account and routing number by logging into their external financial institution or opt to receive a micro deposit to verify ownership of the account. Glide also leverages Plaid Identity to verify the initiator matches ownership of the linked bank account and Plaid Balance to verify the linked bank account has enough funds.

Real Time Certificate ACH Funding Configuration

Glide supports a special configuration where certificate funding is completed via a real-time share-to-share transfer (via the core's API), instead of leveraging the credit transaction on a NACHA file to move money into a members share.

Read more about this optional configuration here.

FAQs

  1. Is the NACHA file sent via SFTP at the designated cutoff time? Yes.

  2. If there are no ACH transactions submitted on a given day, will Glide still send a blank file? No, if there are no ACH transactions that day, Glide will not send a file.

  3. What is the naming convention of the file sent via SFTP? <FI abbreviation>-yymmdd.txt

ACH File Transmission Email Notifications

Glide supports sending an automated email notification to the financial institution whenever a new ACH (NACHA) file is generated in the production environment.

This notification is only triggered in production — no emails are sent from staging or non-production environments. Multiple emails can be specified to notify to when an ACH file has been sent.

To enable ACH file transmission notifications for your financial institution, contact your DPM to request this configuration.