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An ACH Credit transaction is one in which the taxpayer, through their own financial institution, originates a transaction instructing their bank to transfer funds to the Treasury's bank account for the amount of a tax payment. Using ACH Credit, the payer controls the initiation and timing of payments and the date that funds are debited, and typically pays the fees charged by their financial institution for any setup and transaction costs.

For ACH credits, the taxpayer is responsible for:

• ensuring their tax payments are delivered into the appropriate bank account by the payment due date. Any delays will result in a penalty being assessed to the taxpayer. You must check with the financial institution to determine when you should originate your payment so that it will settle into the Treasury's bank account on time.
• working with their financial institution to obtain verification that funds were transferred from their account to the government account. EFTPS does not provide an EFT Acknowledgement Number for ACH credits because they are originated through the taxpayer's financial institution.

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