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ACH Origination

ACH Origination

Let Mid Carolina do your ACH Origination! You'll never miss an electronic payment or transfer again. This service offers fixed-amount electronic transfers recurring on the same date each month. ACH transactions are not considered a wire transfer. There is no fee for processing ACH Originations.

What Is ACH Origination?

ACH Origination is an electronic payment delivery system that allows Mid Carolina to originate and send both debits and credits to participating financial institutions in the U.S.

Funds received via ACH Origination can be credited to your Mid Carolina loan, savings, IRA and share draft accounts. Payroll deposits, retirement deposits and Social Security need to be initiated by your Payroll Department, or the Social Security Administration. ACH Origination ensures funds are transferred on the date that you designate.

For variable amounts and dates, please use our online Bill Payer service.

Transfer funds with any option below.

Weekly - Semimonthly - Biweekly - Monthly - One Time


Set Up ACH Origination

It's easy to sign up for ACH Origination! Use the form below to set up the following transactions:

  • Transfer funds from your Mid Carolina share draft or savings account to another financial institution.
  • Deposit funds to your Mid Carolina savings, IRA or share draft account from a different financial institution. You can even apply funds to your consumer loans or make mortgage payments.


Once completed, the form will be electronically sent to the Credit Union for processing. Be sure to keep a copy for your records. Also, be sure and upload a picture of a voided check or mail one to our accounting department at PO Box 549 Lugoff, SC 29078, we must have this to go along with your form. Please note: an ACH cannot be set-up with a starter check.

Mid Carolina Credit Union is utilizing DocuSign software to allow our members to have the ability to electronically sign documents. This fast and secure process is an added member convenience and subject to review before document is accepted and processed. After proper security measures have been followed you will receive notification via email that your transaction will be processed.

When using your share draft account number, be sure to use your 12 digit account number found on the MICR line of your share draft. If using your savings account, only use your saving account number.

For example, if your account number is 123456 that is how you would format it for your savings account. If originating to or from your share draft account then the format should look like this: 672430106800.

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719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
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