What Is Patriot’s ACH ID?

Background

If your bank account has a debit block or debit filter to prevent unauthorized organizations from debiting or withdrawing funds from the account via ACH, please be sure to give your banking institution Patriot’s ACH ID (aka Originating ID). This will authorize bank withdrawals from Patriot and prevent failed collections.

Patriot ACH IDs for Tax Collection, Direct Deposit, Verifications

Please Whitelist ALL of Patriot’s ACH Originating IDs

What is a Debit Block?

A debit block is a security feature offered by banks that stops unauthorized withdrawals from your account through ACH (Automated Clearing House) transactions.

Why do people use a debit block?

• Fraud Prevention: It helps stop scammers or unauthorized companies from pulling money out of your account.
• Control: Businesses often use it to ensure that only approved vendors or payroll providers can debit their accounts.
• Compliance/Security Policies: Some companies set it up as part of internal controls to avoid mistakes or unauthorized payments.

Why is a debit block good for safety?

• Stops Fraud at the Gate: If someone tries to take money without your authorization, the transaction gets blocked before funds leave your account.
• Reduces Risk of Loss: ACH fraud can be difficult to reverse, and debit blocks make it much less likely to happen.
• Whitelist Functionality: Many debit blocks allow you to approve specific companies (by ACH ID) so legitimate payments still go through while everything else is blocked.

Why can a debit block cause a transaction to be declined?

If your bank has a debit block and a company tries to debit your account isn’t on your approved list (even if it’s legitimate, like your payroll provider or another vendor), the bank will reject the transaction.

• Example: If you set up payroll but Patriot Software’s ACH ID isn’t whitelisted, your bank will stop the withdrawal for payroll funding for direct deposit or payroll tax collections.
• The fix is to contact the bank to add the legit company’s ACH ID to your allowed list.

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