Electronic Payment Options for Employers

Frequently Asked Questions About ACH Debit Payments

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What is EFT & ACH?

Electronic funds transfer, often called EFT, is a broad term for electronically transmitted money. Automated Clearing House (ACH) is a specific format of electronic funds transfer that involves money being directly moved between bank accounts. Both EFT and ACH are sometimes used interchangeably/alone/together, but typically refer to ACH payments. Credit or Debit Card payments are also a form of EFT. Wire transfers (which we do not accept) are another form of EFT.

When you initiate a payment online using our employer portal, it will be processed as an ACH Debit payment. You will provide your bank routing number, account number, and instruct Unemployment Insurance to deduct a payment from your financial institution on a day you choose. Upon settlement of your payment, your Unemployment Insurance Account will be credited.

What information do I have to provide to in order to use ACH on the Internet?

Setup for ACH Debit payments is a one-time event per account. To have your funds deducted electronically from your account you will provide the following bank account information: bank account number, bank routing number, and the type of account (Savings or Checking).)

When can I start making ACH payments?

You can make payments immediately once you have online access to your Unemployment Insurance Account and have set up your bank information.

Is there a cost to me for making an ACH Debit payment online using your Internet Application?

No, UI does not charge you a service fee for making an ACH Debit payment online using our application.

Will UI ever initiate an ACH payment without my approval?

No, ACH Debit internet payments occur only when you initiate an ACH payment on our website and only for the amount and on the day instructed.

What if I change financial institutions or want to add additional bank accounts to my registration?

  • Login to your UI account and navigate to the Employer Home page.
  • Select the Payment Options link.
  • From the Payment Options page, click the Manage ACH Bank Accounts link. You then can select an existing bank account to update or add a new bank account to your list.

Once you have updated your existing bank account or added a new bank account to your list of bank accounts you can immediately make ACH payments out of that account.

Is my ACH Bank Information Secure?

Yes, all ACH data is SSL 128-bit data encrypted. Access to your ACH bank account information is limited to only a few employees. We feel your ACH bank information is more secure than a paper check, which can pass through many hands.

I am making a payment on or before the tax due date but the earliest possible settlement date of payment is a business day after the tax due date. Will my payment be considered timely?

Yes, Any ACH payment initiated by midnight of the tax due date will be treated as a timely payment as long as the user accepts the default settlement date shown on the Make Payment page even though that settlement date of payment will be after the tax due date.

Can I cancel an ACH payment that I make online?

Yes, as long as the payment status is still pending you can cancel the payment.

After I made my Payment I realized the Bank Account I made the payment from is no longer valid. What should I do?

You have two choices if the status of the payment is still pending.

  • Log back into your account and update your ACH bank account information the pending payment is attached to. The pending payment you previously made will also be updated to be deducted from the updated bank account information. The system will give you a warning message telling you this when you update a bank account with pending payments attached to it.
  • Log back into your ACH account and cancel the pending payment with the incorrect bank account information, then update your bank account information and then make a new payment from the updated bank account.

If the payment status is no longer pending you must update your ACH bank account information or add a new bank account and initiate a new payment.

Can I view a history of payments previously made?

Yes, you can log back into the application and view previous ACH payments made on this system. To view details about a payment click on the payment confirmation number for that payment in the payment history grid.

Can I pay delinquent taxes via ACH?

Yes, login to your UI account on the Internet and once you are on the employer home page under Account Functions select the option that says click here for billing details and payment options. This will take you to your billing detail page where you can then initiate your ACH payment.

Can I set up an ACH installment payment plan?

Please contact a collections specialist at (608) 266-9700 or email uitaxcoll@dwd.wisconsin.gov if you are interested in setting up a payment plan for the delinquent tax on your UI account.

Why pay by ACH instead of check?

You may setup an ACH payment up to 365 calendar days in the future. Setting up a payment now allows you to setup your payment in advance but not have the funds taken out of your account until the actual tax due date. Making your payment by ACH insures that the UI will receive the money on the day you specify when making your payment. You save money on postage and don't have to worry about the payment getting lost in the mail and incurring penalties. Remember that making an ACH payment with a future settlement date of payment does not relieve you of meeting your tax liability due date. Payments made after the tax due date will result in interest being assessed on the tax due and could effect your next years UI Tax Rate.

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