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Collins Community Credit Union

ACH Business and Debit Origination

Enjoy peace of mind

Simplify your payment needs with Collins Community Credit Union’s ACH Business and Debit Origination program. This program gives you peace of mind since you don't need to worry whether a customer has paid their monthly dues or payment.

How it works

You will have access to a website where you will create and upload your ACH file transfers. Then, we will review your file and submit it to the Federal Reserve. The deposits will automatically be credited to your Collins Community Credit Union account.

Benefits

  • Peace of mind
  • No lost or stolen checks
  • Notification if or when problems arise
  • Convenience of a direct withdrawal for the customer

What we need

  • ACH Originator Application
  • ACH Originator Agreement
  • Your customer(s) will need to sign a preauthorization form (we provide) and give you a voided check from their financial institution. Their financial institution must be able to accept electronic ACH credits.

What it costs

One Time Setup Fees
$150.00 Implementation Fee
$100.00 per fingerprint scanner (these can be shared by users)
 
Monthly Fees (For Profit Organizations)
Access Fee $30.00
Per User Fee $4.00 (minimum of two)
Per File Fee $5.00
Per Item Fee $.20
 
Monthly Fees (Non-Profit Organizations)
Access Fee $30.00
Per User Fee $4.00 (minimum of two)
Per File Fee $2.50
Per Item Fee $.05

Other Program Details

Collins Community Credit Union will not serve as a collector for items that do not clear the system. You will be notified when an item does not clear, but the Credit Union will not initiate another entry for the item that did not clear, nor will we attempt to collect any kind of fee for non-payment. Collection terms and arrangements should be a separate agreement with your customer. 

What's New

  • Fraud Text Alerts

    Introducing Fraud Text Alerts

    07 June 2021
    At Collins Community Credit Union, your security is our priority. That’s why we’re excited to introduce fraud text alerts. These alerts will help you monitor your money and keep your accounts safe. To receive these alerts, you don’t need to take any action. You will automatically start receiving text alerts for your Collins Community Credit Union debit card and credit card. Learn More
  • How To Increase The Value Of Your Home With Curb Appeal Updates

    11 May 2021
    The United States housing market is booming, and Iowa is no exception. Lack of inventory and historically low interest rates contribute to the red-hot real estate market. Still, despite the skyrocketing price of lumber and sluggish construction projects, data from one real estate listing company indicated home sales are up 20% across the board in 2021. Learn More
  • Be Your Own Fraud Fighter: Tips To Keep Your Money Safe

    26 April 2021
    In 2020, the Federal Trade Commission recorded 2.2 million reports of fraud and $3.3 billion lost by victims. As these numbers continue to grow, it's crucial to stay informed and take action to protect yourself against scams and potential fraud. Check out the tips and current trends below from Collins Community Credit Union's Fraud Officer, Tabby C., to help keep your money safe! Learn More
  • The Top 5 Home Improvement Projects For The Best ROI

    23 April 2021
    If you're thinking about moving, whether you're upgrading, downsizing, or changing locations, now is the time to sell your house. Tighter inventories and increasing demand create an ultra-competitive market, which means houses are selling faster and often for top dollar. You may know specific home improvements can help improve your home's value, but not every upgrade helps drive a higher price. Learn More
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