Free ACH authorization form

Yes, this is the right form. The business that asked you is the one collecting the payment, so put their name as the company receiving the authorization. Then add your own details and bank information, sign and date it, and send it back to them. Keep a copy for your records.

Both parties fill out part of it. The business collecting payment prepares the form with its name, the authorization language, the amount, the schedule, and the revocation terms. The payer (the customer or vendor being debited) adds their bank name, routing and account numbers, account type, and then signs and dates it. The completed form goes back to the business, and the payer keeps a copy.

No. This form lets a business pull money out of a bank account. A direct deposit form does the opposite and deposits money into a bank account, like payroll. That kind is an ACH credit authorization, and it is a separate document.

Yes. Every ACH credit and debit transaction needs explicit authorization. For consumer accounts, it has to be in writing or authenticated electronically. For sending money (credit) to a bank account, the rules do not strictly require a form. But banks and processors usually expect one on file. And if a debit is ever disputed, the signed form is what proves you had permission to pull funds from an account.

Yes, for consumer debits. The authorization has to be signed or similarly authenticated. An electronic signature counts. But a pen signature on the printed form is the simplest way.

No. There is no standard, bank-issued ACH authorization form, and banks like Chase or Bank of America do not provide one for you to send to your customers. The business collecting the payment provides the form. Some banks give their business customers a sample as part of a treasury agreement, but you do not need to wait for one to make your own.

No. NACHA publishes operating rules and sample language, not a standard required form. Any document works as long as it has the required elements. That means clear authorization language, the amount and timing, revocation terms, account details, and a signature.

Keep it for two years after the authorization ends or is revoked. If the payer's bank asks for proof, you need to produce a copy within 10 banking days.

Yes. They can revoke it by following the revocation terms outlined in the form. They can also tell their bank to stop payment. Once they revoke the authorization, you must stop debiting their bank account. That is why the form spells out how to revoke and how much notice is needed.

Give the payer a copy and keep the signed original on file. Then start debiting on the schedule the form authorizes. The cheapest way to collect these payments is free ACH on Nickel. If a debit is ever disputed or sent back, it arrives with an ACH return code that explains why. Authorization-related returns, like R05, R07, R10, and R29, are exactly the disputes a signed form protects you against.

Yes. There is no official format. Any document works as long as it has the six elements in the list above. The fastest and easiest way to generate an ACH authorization form is using Nickel's fillable ACH Authorization Form generator above. You can also start from a blank ACH form template download at the top of this page. Simply enter your business details and payment terms, print it, and have the payer add their bank details and sign.

QuickBooks Payments does not let you generate or explicitly request an ACH authorization form. You should generate your own form, ask the customer to sign it, and keep it on file for 2 years after the authorization expires or it is revoked. Nickel syncs with QuickBooks and can help you collect authorization digitally and store the customer's bank details on file for Auto Pay.

It's a simple text document with no standard template. It simply needs to follow NACHA's rules, and show the business's name, an authorization clause, the amount and schedule, blank lines for the bank details, checking and savings checkboxes, revocation terms, and a line to sign and date.