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Automated Clearing House (ACH)


Eliminate paper and expedite payment processing

Northern Trust combines the latest technological advancements with extensive experience to implement efficient payment solutions.

Accounts Receivable Conversion (ARC), the initiation of an ACH debit using a consumer check as a source document, can deliver significant efficiencies to your collection process. Northern Trust can accept and process ACH ARC files that you have created in your operation. 

Debit Authorization
Our Debit Authorization Services provide clients the ability to block any ACH transaction from posting to a designated account. Debit authorization requires that ACH entries received for a protected account meet all the criteria specified by an electronic authorization record before they are paid.

Direct Deposit of Payroll
Northern Trust's Direct Deposit of Payroll Services allows clients to pay their employees by depositing funds electronically through the Automated Clearing House (ACH) into their designated checking or savings account at any ACH-eligible financial institution on a predetermined day.

Electronic Check Conversion
Electronic Check Conversion is the latest in technological advancement for clearing payments.  Northern Trust can process all types of ACH transactions you create as part of a check conversion process in your operation.  You may convert checks in the following scenarios:

  • At the Point of Purchase (POP)
  • By Telephone (TEL) or Internet (WEB)
  • Through Accounts Receivable (ARC) if remittance checks are sent to your internal lockbox or payment dropbox and you convert them to ARC transactions. 
TEL transactions are one-time debit entries; WEB transactions can be recurring as well as one-time debits. These services offer processing flexibility, continuous availability, and they generate savings across a client's entire accounts receivable operation.

Northern Trust is an active member in the National Automated Clearing House Association (NACHA) and a full voting member in the Internet Council and the Electronic Check Council.
Scott Henderson

Scott Henderson

Senior Vice President
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Scott Henderson

Scott Henderson

Senior Vice President

Scott is a Senior Vice President at Northern Trust Company and is responsible for managing Northern’s Treasury Services Consulting division.  The Treasury Consulting Division provides Northern Trust clients with assistance in evaluating their existing cash management structure, support in analyzing and implementing treasury management solutions designed to optimize cash flow and streamline payment and financial operations, as well as advice regarding payment industry trends and best practices.

Scott joined Northern Trust in 2003 and has twenty-five years of banking industry experience, including more than ten years in the treasury management services field.  Prior to joining Northern Trust he worked for National City Bank and predecessor organizations of J.P. Morgan Chase in several different capacities, including treasury management sales, procurement card product sales, corporate banking relationship management, asset-based lending, and asset-backed securities underwriting.

Scott has a Bachelor of Arts degree from Coe College in Cedar Rapids, Iowa and an MBA degree from DePaul University in Chicago.  He is a member of the Association for Financial Professionals (AFP), and was a member of AFP’s working committee that created the first standard RFP for purchasing cards in 1998.  He earned the Certified Cash Manager (CCM) designation in 2000, and currently holds AFP’s Certified Treasury Professional (CTP) designation.

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Northern Trust Corporation. Head Office: 50 South La Salle Street, Chicago, Illinois 60603 U.S.A. Incorporated with limited liability in the U.S. Products and services provided by subsidiaries of Northern Trust Corporation may vary in different markets and are offered in accordance with local regulation. For more information, read our legal and regulatory information about individual market offices.