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ACH Debit Plan

Browse ACH Debit Plan

Norfolk Southern offers an ACH debit program to simplify the customer payment approval process and ensure that payments meet credit terms. The debit plan includes time-saving features such as weekly summarized billing and expedited dispute handling. Customers who join the ACH debit plan are exempt from finance charges.

Receive Invoices

NS provides ACH debit plan customers a weekly statement of invoices accrued during the previous week. Those invoices include both linehaul and miscellaneous charges associated with linehaul movements. Customers can elect to receive statements on any day of the week and can also view freight bill copies online using eFreight Bill under AccessNS. NS also will send bill copies via mail upon request.   

Handle Disputed Items

Customers must advise their Revenue Account Analyst of disputes on their weekly statements by 12:30 p.m. EST at least two business days prior to the ACH debit date for that statement. NS will work with customers to resolve all disputes prior to the debit date and will debit the amount of undisputed charges only. NS will cancel disputed charges resolved in favor of the customer. The next debit statement will show any disputed charges resolved in favor of NS.  

Transfer of Funds

The debit date is the 14th day following the statement date. On the 14th day, NS will debit the customer's bank account via the Automated Clearing House (ACH) syatem with NS receiving funds on the 15th day.

How to Join the Debit Plan

To sign up for the ACH debit plan, customers must complete, sign, and submit the online ACH Debit Plan form. Information required includes:

Bank Name and Address
Bank Contact and Telephone Number
Bank Account Number
Bank Transit Routing Code
Federal Tax I.D. Number

To ask any questions, contact the Revenue Account Analyst whose name, telephone number, and email address appear on your freight bill. You can also email