ACH File Generator

ACH authorization form generator

Enter your company details and print a finished authorization form — or print it with the fields empty and use it as a blank template. Two versions are available: a direct deposit authorization for collecting the bank details of someone you are going to pay, and a debit authorization for collecting permission to take payment.

Collects the bank details you need before paying an employee or vendor by ACH credit.

Everything you type stays in this browser tab. Nothing is sent to a server, saved, or logged — print the finished form and the page forgets it.

ACH Direct Deposit Authorization



Contact:

Account holder

Name:
Address:

Bank account

Bank name:
Routing number (9 digits):
Account number:
Account type: ☐ Checking☐ Savings

Authorization

I authorise to deposit payments due to me by ACH credit into the account identified above, and the bank named above to accept those deposits.

I understand a zero-dollar prenotification entry may be sent first to confirm the account details, and that it moves no money. This authorization stays in force until I cancel it in writing to the contact above, or until my employment or supplier relationship ends.

I confirm the account details above are correct and that I am authorised to act on this account.

Signature

Signature:
Printed name:
Date:

Retain this authorization for at least two years after it ends.

What an authorization has to contain

Nacha requires a consumer debit authorization to be readily identifiable as an authorization and written in clear terms. In practice that means six things, all of which the debit version of the form above includes:

The partiesWho is originating the entries and whose account is involved, both named clearly.
The accountRouting number, account number, and whether it is checking or savings.
The type of entryCredit or debit, and whether it is a single entry or a recurring series.
The amountA fixed figure, or a stated method for working out an amount that varies.
The timingThe start date, and the frequency or number of entries.
How to revoke itThe manner in which the account holder cancels, and how much notice they must give.

Keep every signed authorization for at least two years after it stops being used. If your bank asks you to prove an entry was authorized, this is the document it wants to see.

Direct deposit authorizations are a different job

A credit authorization is less about permission and more about collecting accurate bank details, because nobody disputes being paid. The risk it manages is a typo in an account number, which is why the credit version mentions that a prenote may be sent first. Verifying the details that way costs nothing and catches errors before real money moves — the prenote generator builds that file.

Once you have the details back, the entry class depends on who you are paying: see CCD vs PPD. This generator writes credit files only, so the debit form here is provided because the authorization rules are the same, not because it produces debit files — supported formats sets out the boundary.

Adapt it before you use it

This is a starting point, not a compliant legal instrument. Your bank may require its own form, your industry may need extra language, and nothing here is legal advice — see the disclaimer. Have the finished wording checked by someone qualified before you send it to anyone.