What Is ACH?

ACH stands for Automated Clearing House. It is the way retailers are paid. Funds are settled directly to a retailer’s designated retail bank account for all approved transactions. If the EBT-only retailer wants to change the bank account that ACH settlement is sent to, the retailer must notify the Retailer Customer Service Call Center or access the retailer portal at: www.ConnectEBT.com/retail to obtain a Retailer Settlement Authorization Form.

When are ACH Credits Available at the Bank?

The system generates an ACH credit immediately following system cut-off each afternoon based on the retailer business day. The Conduent system has a system cut-off time of 7 p.m. Eastern Standard Time (EST). The funds are sent to the retailer’s bank on a daily basis and become available based upon the individual bank’s rules.

How Will a Retailer Know if the Amount of the ACH Credit is Correct?

The credit a retailer receives through ACH corresponds to the transaction total for the retailer business day.

If a reimbursement credit does not arrive at a retailer’s bank within three banking days of the respective retail business day, the retailer should first contact his/her bank to determine if all ACH credits have been posted for that day. The retailer can then call the Retailer Customer Service Call Center. A representative will research and help resolve the problem.

What if a Retailer Changes Banks, Bank Account Numbers, or TPPs?

It is critical that the EBT system has the correct and up-to-date banking information for all EBT-only retailers. If the bank account is not current, the retailer cannot be paid. You can find the instructions for changing your registered bank account information here.

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