---
title: How to submit a NACHA file upload via online banking?
description: Learn how to upload and submit a NACHA file through Online Banking to process ACH payments, direct deposits, payroll, and vendor transactions quickly and efficiently.
---

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# How to submit a NACHA file upload via online banking?

## This guide explains how to upload and submit a NACHA file through Online Banking for ACH processing, including file validation and submission steps.

***Note:** this article is only applicable to business accounts.* 

A NACHA file upload allows you to submit a batch of ACH transactions, such as payroll, vendor payments, or direct deposits, through Online Banking. The file is created in an accounting or payroll system and uploaded for processing through the ACH network.

**Benefits of NACHA File Uploads**

- Process multiple ACH transactions at once, saving time and reducing manual entry.
- Streamline payroll, vendor payments, direct deposits, and collections.
- Minimize errors by importing payment data directly from your accounting or payroll system.
- Improve efficiency with a standardized ACH file format accepted by financial institutions.
- Maintain better recordkeeping and payment tracking through batch processing.
- Reduce the need for paper checks and associated processing costs.

To process a NACHA file upload, follow the steps below:

**Important:** 

- ACH Cutoff Time: **15:40 EST**. Transfers approved after the cutoff time on the transfer date will be processed the next business day.
- This service does not support recurring transfers.
- Only PPD and CCD as SEC types are allowed.
- This service only supports files that have one batch. If needed, you may upload additional files for any additional batches.
- If your Nacha file is unbalanced, please make sure you choose an offsetting account. Otherwise, the entire file could fail processing.
- Maximum file size is 50 mb.
- Once you upload and submit your file for processing, you can only cancel your uploaded transfers. We recommend you preview and edit your transfers if needed and re-upload your file.
- Your file must be formatted according to Nacha specification. All transfers are subject to the Nacha Operating Rules.

Click on the Transfer Money tab \> File Upload. **(Make sure to have selected the appropriate business)**

![Screenshot 2026-06-02 at 12.46.53 PM](https://help.panaceafinancial.com/hs-fs/hubfs/Screenshot%202026-06-02%20at%2012.46.53%20PM.png?width=558&height=279&name=Screenshot%202026-06-02%20at%2012.46.53%20PM.png)

Enter a **Description**, choose the **Offsetting Account (only if your NACHA file is unbalanced to prevent the file from failing to be processed)**, upload the files, and agree to the **Terms and Conditions**. Click **Continue**.

![Screenshot 2026-06-02 at 12.49.52 PM](https://help.panaceafinancial.com/hs-fs/hubfs/Screenshot%202026-06-02%20at%2012.49.52%20PM.png?width=577&height=458&name=Screenshot%202026-06-02%20at%2012.49.52%20PM.png)

 

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