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Quick Send

Overview

Quick Send is the fastest way to create an ACH file in FiSTWorks. You paste (or type) a list of recipients, fill in five identifying fields about your company and your bank, and download a NACHA-compliant .ach file ready to upload to your bank.

It's designed for one-off payouts — vendor payments, expense reimbursements, ad-hoc bonuses, refunds — when you don't want to set up saved recipients, banks, templates, or scheduled transmissions.

When to use Quick Send vs. the ACH Drafter

If you want to... Use
Send a one-time payment list quickly without saving anything Quick Send
Send the same payments on a recurring schedule ACH Drafter (Templates)
Save recipients and reuse them later ACH Drafter (Recipients)
Process return files coming back from your bank ACH Drafter (Returns)
Transmit the file directly to your bank over SFTP ACH Drafter (Send to Bank)
Have multiple batches in a single file (e.g. payroll + vendor in one file) ACH Drafter

Quick Send always produces a single-batch file. If you need any of the features above, the ACH Drafter is the right tool.

Authorization

The first time anyone in your organization opens Quick Send, you'll see a one-time confirmation screen. Read the disclosure and click I confirm to acknowledge that you are the authorized originator for these payments and that each recipient has authorized you to debit or credit their account. Your acknowledgment is recorded in the audit log.

You only confirm once per user.

Filling out the form

"From" — your company

Field What to enter Where to find it
Origin Name Your company's full legal name (up to 23 characters) Company records
Company Name The short name that appears on recipient bank statements (up to 16 characters) Your call — keep it recognizable
Company ID A 10-character identifier — typically a 1 followed by your 9-digit EIN/Tax ID Your tax records
Company Tax ID (1+EIN) A 1 followed by your 9-digit EIN Your tax records
Your Bank's 9-digit Routing Your bank's ABA routing number — where the file will be processed Your bank or a bank statement

These five fields together identify your company to the ACH network. They appear in the file header and never change for a given organization.

Pay Date

The date the transactions should settle at recipients' banks. Must be a banking day (weekday, non-holiday). Quick Send defaults to the next business day. Most banks need files submitted at least 1–2 business days before the pay date — check with your bank for their cutoff time.

Recipients

You can add recipients two ways:

Paste a list (fastest). Paste comma-separated rows in this order:

Name, Routing, Account, Type, Amount
Smith John,021000089,123456,checking,150.00
Doe Jane,021000089,789012,savings,200.00
  • Name — recipient's name (up to 22 characters).
  • Routing — recipient's 9-digit routing number. The last digit is a check digit and is validated automatically.
  • Account — recipient's bank account number (up to 17 characters).
  • Type — checking or savings.
  • Amount — dollar amount (e.g. 150.00). Maximum $99,999,999.99 per row.

Add rows manually — click "+ Add row" to enter recipients one at a time.

As you enter each row, FiSTWorks looks up the bank name from the routing number and shows it next to the row so you can verify you have the right bank.

Review and Generate

The Review card at the bottom shows a running count of recipients, the total dollar amount, and the pay date. Any errors or warnings appear here so you can fix them before generating.

When everything looks right, click Generate file. FiSTWorks builds the NACHA file and downloads it to your computer. Upload that file to your bank using whatever method your bank requires (web portal, SFTP client, etc.).

Limitations

Quick Send is intentionally minimal. It does not support:

  • Saving recipients for reuse (use the ACH Drafter Recipients feature for that).
  • Templates or recurring runs.
  • Multiple batches in one file.
  • Direct SFTP transmission to your bank — you upload the downloaded file yourself.
  • Return-file processing.
  • Scheduled transmissions.
  • Prenote (zero-dollar account verification) entries.

If you need any of these, switch to the ACH Drafter.

Tips

  • Each Quick Send counts as one file against your monthly file allowance, the same as a Drafter-generated file.
  • Routing numbers are validated as you type. If a row shows a red error, fix the routing or account before generating.
  • Save your "From" values somewhere handy — they're the same every time you use Quick Send.
  • If you need to send the same list of recipients regularly, save them in the ACH Drafter Recipients tab and use the Drafter's Templates feature instead.