Automated Clearing House (ACH) transfers have transformed the way individuals and businesses conduct transactions. Understanding what an ACH transfer is essential for anyone involved in electronic payments, payroll processing, or direct deposit. This article will delve deep into ACH transfers, elucidating what they are, how they work, their benefits, and their significance in the financial landscape.
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What Is ACH?
To understand what an ACH transfer is, we must first clarify what ACH itself is. The Automated Clearing House (ACH) is a nationwide electronic network that facilitates financial transactions. Established in the 1970s, ACH is used for various types of payments, including direct deposits, bill payments, and peer-to-peer transfers. Essentially, ACH allows the transfer of funds between bank accounts without the need for physical checks.
ACH transactions can be divided into two primary categories: ACH credits and ACH debits. ACH credits are transactions where money is deposited into an account, like a paycheck being deposited into your bank account. On the other hand, ACH debits involve money being withdrawn from an account, such as when you set up automatic bill payments. Understanding these fundamental types is crucial for grasping the full scope of what an ACH transfer entails.
How Does An ACH Transfer Work?
An ACH transfer works by processing electronic payments through the ACH network. Here’s how it happens:
- Initiation: The process begins when the originator (the individual or business making the payment) authorizes an ACH transfer. This authorization can occur through various means, such as signing a form or providing verbal consent.
- Batch Processing: Once the transfer is initiated, the transaction is submitted in batches to the ACH network. Unlike real-time payment systems, ACH transactions are processed in batches, typically several times a day.
- Clearing and Settlement: The ACH network processes the batch of transactions. During this stage, the funds are transferred from the originator’s bank (also known as the Originating Depository Financial Institution or ODFI) to the recipient’s bank (the Receiving Depository Financial Institution or RDFI). The clearing process generally takes one to two business days.
- Credit or Debit: After the funds are settled, the recipient’s bank credits the recipient’s account if it’s an ACH credit or debits the sender’s account if it’s an ACH debit.
- Notification: Finally, both parties are notified of the transaction completion. This notification can come in the form of bank statements or direct alerts from their respective banks.
Understanding how an ACH transfer works is crucial for individuals and businesses looking to utilize this convenient payment method effectively.
Benefits of ACH Transfers
ACH transfers offer numerous advantages that contribute to their increasing popularity. Here are some key benefits:
1. Cost-Effectiveness
One of the primary benefits of ACH transfers is their cost-effectiveness. Compared to traditional wire transfers or processing physical checks, ACH transactions generally incur lower fees. This advantage makes ACH a preferred choice for businesses looking to streamline their payment processes while minimizing costs.
2. Convenience
With the ability to set up automatic payments, ACH transfers provide unparalleled convenience. Consumers can automate their recurring bills, ensuring timely payments without the hassle of writing checks or manually transferring funds.
3. Speed and Efficiency
While ACH transfers may not be instantaneous, they are relatively quick compared to traditional methods. Most ACH transfers are processed within one to two business days, allowing for efficient fund movement without delays.
4. Security
ACH transfers are generally considered secure, as they utilize encryption and authentication measures to protect sensitive financial information. Additionally, they reduce the risks associated with physical checks, such as theft or loss.
5. Record Keeping
When utilizing ACH transfers, both parties receive electronic records of transactions. This feature simplifies record-keeping and can be beneficial during tax season or for financial audits.
Common Uses of ACH Transfers
ACH transfers serve various purposes across different sectors. Some of the most common uses include:
1. Direct Deposits
Many employers use ACH transfers for direct deposits, allowing employees to receive their paychecks directly into their bank accounts. This method is efficient and ensures timely payment without the need for physical checks.
2. Bill Payments
Individuals can set up automatic bill payments for utilities, mortgages, and other recurring expenses through ACH transfers. This convenience helps avoid late fees and ensures bills are paid on time.
3. E-commerce Transactions
Many online retailers and service providers offer ACH payment options for customers. This method can be more cost-effective for merchants than credit card processing fees.
4. Peer-to-Peer Payments
Various mobile payment platforms enable users to send money to friends and family via ACH transfers, facilitating easy and quick peer-to-peer transactions.
5. Government Benefits
Many government programs use ACH transfers for distributing benefits, such as Social Security payments or tax refunds, directly to recipients’ bank accounts.
Understanding the diverse applications of ACH transfers can help users leverage this payment method to its fullest potential.
ACH Transfer Limits
While ACH transfers are convenient, it’s essential to be aware of certain limitations. Most financial institutions impose limits on the amount that can be transferred via ACH. These limits vary based on the bank and the account type. Common factors affecting ACH transfer limits include:
1. Account Type
Different types of accounts, such as personal versus business accounts, may have different limits. Businesses often have higher limits due to their greater transaction volumes.
2. Transaction Type
Some banks differentiate between ACH credit and ACH debit transactions. For example, an account may allow larger transfers for payroll deposits than for consumer payments.
3. Frequency
Banks may impose limits on how often a user can initiate ACH transfers. Understanding these frequency limits is crucial for individuals and businesses planning to use ACH regularly.
ACH Transfer vs. Wire Transfer
Both ACH transfers and wire transfers facilitate electronic payments, but they differ in several key aspects:
1. Speed
Wire transfers are typically faster than ACH transfers, often processing in real-time or within a few hours. In contrast, ACH transfers usually take one to two business days.
2. Cost
Wire transfers generally incur higher fees than ACH transfers. While ACH is more cost-effective for routine payments, wire transfers may be more suitable for high-value transactions that require immediate processing.
3. Security
Both ACH and wire transfers have security measures in place; however, wire transfers are often seen as less secure because they can be harder to reverse once completed. ACH transfers can be disputed in certain cases, offering some consumer protection.
Understanding the distinctions between ACH transfers and wire transfers can help individuals and businesses choose the most appropriate payment method for their needs.
How to Set Up an ACH Transfer
Setting up an ACH transfer is a straightforward process, whether for direct deposits or recurring bill payments. Here’s a step-by-step guide:
1. Choose Your Financial Institution
Select a bank or credit union that offers ACH services. Most major financial institutions provide ACH capabilities, but it’s wise to compare fees and services.
2. Gather Necessary Information
To initiate an ACH transfer, you’ll typically need the following information:
- Recipient’s Name: The name of the individual or business receiving the funds.
- Recipient’s Account Number: The bank account number where the funds will be deposited or withdrawn.
- Recipient’s Routing Number: The nine-digit routing number that identifies the recipient’s bank.
- Transfer Amount: The amount you wish to send or receive.
3. Authorize the Transfer
Depending on your financial institution, you may need to complete a form or provide authorization for the ACH transfer. This step ensures that the bank has your consent to initiate the transaction.
4. Review and Confirm
Before finalizing the transfer, review all the details carefully to ensure accuracy. Once confirmed, the ACH transfer will be initiated, and you’ll receive a notification once it has been processed.
Understanding how to set up an ACH transfer can empower individuals and businesses to utilize this efficient payment method effectively.
Conclusion
In conclusion, an ACH transfer is a crucial component of modern financial transactions, enabling individuals and businesses to send and receive funds electronically with ease. By understanding what an ACH transfer is, how it works, and its numerous benefits, you can make informed decisions about your financial transactions. As technology continues to evolve, ACH transfers will likely play an even more significant role in shaping the future of payments.
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Frequently Asked Questions About ACH Transfer
1. What Is an ACH Transfer?
An ACH transfer, or Automated Clearing House transfer, is an electronic method used to move money between bank accounts in the United States. Established in the 1970s, this system allows for secure and efficient transactions without the need for paper checks or physical cash. ACH transfers can facilitate a variety of payment types, including direct deposits of payroll, consumer payments for bills, and peer-to-peer transfers.
The ACH network processes these transactions in batches, meaning that while they are generally quick—often settling within one to two business days—they are not instantaneous like wire transfers. ACH transfers can be categorized into two types: ACH credits, where funds are deposited into an account, and ACH debits, where funds are withdrawn. The convenience, low cost, and security of ACH transfers make them an attractive option for both individuals and businesses, allowing for streamlined operations in financial management.
2. How Does an ACH Transfer Work?
An ACH transfer works through a network that processes electronic payments between banks and financial institutions. The process begins with the originator, who initiates the transfer by authorizing it, typically by providing their bank with the necessary account information of both the sender and recipient.
Once authorized, the transaction is submitted in batches to the ACH network. During batch processing, the funds are transferred from the originator’s bank (the Originating Depository Financial Institution or ODFI) to the recipient’s bank (the Receiving Depository Financial Institution or RDFI). This typically occurs once or twice daily, and most transactions are processed within one to two business days.
After processing, the recipient’s bank credits the recipient’s account if it’s an ACH credit or debits the sender’s account if it’s an ACH debit. Both parties usually receive notification of the transaction completion, often through their banking platforms. Overall, the ACH transfer process enables seamless and efficient electronic payments, contributing significantly to the modern financial landscape.
3. What Are the Benefits of an ACH Transfer?
ACH transfers offer several compelling benefits that make them a preferred choice for both individuals and businesses. First and foremost, they are cost-effective, with lower fees compared to traditional wire transfers and physical check processing. This feature is particularly beneficial for businesses that conduct numerous transactions, as it can significantly reduce overall payment processing costs.
Additionally, ACH transfers provide convenience. Users can automate recurring payments, such as bills or payroll, ensuring that funds are transferred automatically without the need for manual intervention. This automation helps avoid late payments, enhancing financial management.
Another advantage is speed; while not instantaneous, ACH transfers are generally processed within one to two business days. Furthermore, they are secure, utilizing encryption and other protective measures to safeguard sensitive financial information.
Lastly, ACH transfers come with built-in record-keeping capabilities. Both senders and receivers receive electronic records of each transaction, simplifying tracking and auditing processes. Overall, these benefits underscore why ACH transfers have become an integral part of modern banking and financial practices.
4. What Is the Difference Between an ACH Transfer and a Wire Transfer?
While both ACH transfers and wire transfers facilitate electronic money movement, they differ significantly in several aspects. Firstly, the speed of processing sets them apart. Wire transfers are typically instantaneous or settle within a few hours, whereas ACH transfers usually take one to two business days due to their batch processing nature.
Another critical difference lies in the cost. ACH transfers generally incur lower fees compared to wire transfers, which can be expensive, particularly for international transactions. This makes ACH a more appealing option for routine payments, such as payroll and bills.
In terms of security, wire transfers can pose more risks because they can be difficult to reverse once completed. On the other hand, ACH transfers allow for dispute processes in certain cases, providing consumers with more protection in case of errors or fraud.
Finally, ACH transfers are primarily used for domestic transactions, whereas wire transfers can facilitate both domestic and international payments. Understanding these differences helps users select the most appropriate payment method based on their needs and circumstances.
5. How Long Does an ACH Transfer Take?
The time it takes for an ACH transfer to process typically ranges from one to two business days. Unlike wire transfers, which can be processed almost instantaneously or within hours, ACH transfers operate on a batch processing system. This means that transactions are grouped together and processed at specific intervals throughout the day.
For instance, if an ACH transfer is initiated on a Friday afternoon, it may not be processed until the next business day, which is typically Monday. The receiving bank then takes additional time to credit the recipient’s account, which can lead to delays.
However, advancements in the ACH network have introduced same-day ACH transfers, allowing certain transactions to be completed on the same day they are initiated. These same-day transactions usually come with specific guidelines and fees, so users should check with their financial institution for availability and details.
In summary, while most ACH transfers will take one to two business days to complete, same-day options are increasingly available for urgent transactions.
6. Are ACH Transfers Safe and Secure?
Yes, ACH transfers are generally considered safe and secure. The ACH network employs stringent security measures to protect sensitive financial data. These measures include encryption protocols and authentication processes designed to verify the identity of the parties involved in the transaction.
However, like any electronic payment system, ACH transfers are not entirely without risk. Potential vulnerabilities include unauthorized access to bank accounts or fraud attempts. To mitigate these risks, users should ensure that they are sharing their banking information only with trusted parties and should regularly monitor their account statements for any unusual activity.
Financial institutions often offer additional protections for ACH transfers, such as the ability to dispute transactions in cases of error or fraud. If an unauthorized ACH debit occurs, consumers may have recourse to reclaim lost funds, provided they report the discrepancy within a specified timeframe.
Overall, while ACH transfers have security features that make them reliable, users should remain vigilant and proactive in safeguarding their financial information.
7. What Are the Limits on ACH Transfers?
Limits on ACH transfers vary based on the financial institution and the type of account involved. Most banks impose daily and monthly transaction limits to manage risk and ensure compliance with federal regulations. These limits can depend on factors such as account type (personal vs. business) and the nature of the transaction (credit vs. debit).
For example, a personal checking account may have lower limits than a business account due to the higher transaction volumes businesses typically handle. Additionally, certain financial institutions may allow users to request higher limits based on their account history or relationship with the bank.
It’s essential to check with your specific bank to understand the limits that apply to your ACH transfers. Some banks may offer flexibility, allowing customers to adjust their limits based on their needs. Being aware of these limits can help you plan your transactions effectively and avoid any disruptions when attempting to send or receive funds.
8. How Can I Set Up an ACH Transfer?
Setting up an ACH transfer is a straightforward process that can typically be completed online or in person at your bank. To begin, you will need to gather the necessary information for the transfer, including the recipient’s name, account number, and bank routing number. This information is crucial for ensuring that the funds are directed to the correct account.
Next, log in to your online banking platform or visit your bank’s branch. Most banks provide a user-friendly interface for initiating ACH transfers. You will need to choose whether you are sending an ACH credit (depositing funds) or an ACH debit (withdrawing funds) and fill in the relevant details.
After entering the transaction information, review it carefully for accuracy. This step is crucial, as incorrect information could lead to failed transactions or funds being sent to the wrong account. Once you confirm that all details are correct, authorize the transfer.
You may receive a confirmation notification from your bank once the ACH transfer has been successfully initiated. It’s also advisable to keep records of the transaction for your records.
9. Can I Cancel an ACH Transfer Once It’s Initiated?
Canceling an ACH transfer once it has been initiated can be challenging. Generally, once the transaction is submitted to the ACH network, it cannot be stopped or reversed easily. However, the ability to cancel an ACH transfer may depend on the specific timing and the policies of the originating bank.
If you realize you need to cancel an ACH transfer, the first step is to contact your bank as soon as possible. If the transaction has not yet been processed by the ACH network, your bank may be able to intervene and stop it. However, if the ACH transfer has already been sent and is in the process of being completed, cancellation may not be possible.
In cases where an ACH transfer cannot be canceled, you may still have options for disputing the transaction. For example, if the funds were transferred in error or without authorization, you can file a dispute with your bank, which may initiate a process to recover the funds.
Understanding the limitations of ACH transfer cancellations emphasizes the importance of verifying transaction details before initiating the process.
10. What Types of Payments Can Be Made Using an ACH Transfer?
ACH transfers can facilitate a wide range of payment types, making them a versatile option for both individuals and businesses. Some of the most common types of payments that can be made using ACH transfers include:
- Direct Deposits: Many employers use ACH transfers to deposit employee salaries directly into their bank accounts, streamlining payroll processing and ensuring timely payment.
- Bill Payments: Consumers can set up automatic ACH payments for recurring bills such as utilities, mortgages, and subscriptions, making it easy to manage finances without missing due dates.
- Tax Payments: Individuals and businesses can use ACH transfers to pay federal, state, and local taxes directly to the appropriate tax authorities.
- E-commerce Transactions: Online retailers often accept ACH transfers as a payment method, offering customers a cost-effective alternative to credit cards.
- Peer-to-Peer Payments: Many mobile payment apps allow users to send money to friends and family via ACH transfers, facilitating quick and easy person-to-person transactions.
These varied applications demonstrate the flexibility of ACH transfers in meeting diverse financial needs and managing different types of payments.
11. How Do I Track an ACH Transfer?
Tracking an ACH transfer can be accomplished through several methods, providing transparency throughout the transaction process. Once you initiate an ACH transfer, you should receive confirmation from your bank detailing the transaction’s key information, such as the amount, date, and involved accounts. This confirmation serves as your initial record.
Most banks also provide online banking platforms or mobile apps where you can monitor the status of your ACH transfers. By logging into your account, you can view recent transactions and their statuses. Typically, ACH transfers will show as “pending” until they are completed and the funds are settled in the recipient’s account.
If you need to track a specific transaction, you can also contact your bank directly. Customer service representatives can assist you in locating the transaction and providing any available updates.
It’s important to note that, while ACH transfers generally settle within one to two business days, tracking may not always provide real-time updates due to the batch processing nature of the ACH network. However, your bank’s online platform usually offers the most current information available.
12. What Information Do I Need for an ACH Transfer?
To initiate an ACH transfer, you will need specific information from both the sender and the recipient. This information is crucial to ensure the transaction is processed correctly and securely. Here’s a breakdown of the required details:
- Account Numbers: You will need the sender’s bank account number and the recipient’s bank account number. This information identifies the accounts involved in the transaction.
- Routing Numbers: Each bank in the United States has a unique nine-digit routing number that helps identify the bank handling the transaction. You will need both the sender’s and recipient’s routing numbers.
- Transaction Type: You will need to specify whether the transaction is an ACH credit (depositing funds into the recipient’s account) or an ACH debit (withdrawing funds from the sender’s account).
- Authorization: For ACH transfers, especially debits, obtaining authorization from the account holder is critical. This can often be done through written consent or electronic means.
- Payment Amount: Clearly state the amount of money to be transferred.
Gathering this information before initiating an ACH transfer can streamline the process and reduce the risk of errors.
13. Are There Fees Associated with ACH Transfers?
While ACH transfers are generally more cost-effective than other payment methods, they can still incur fees depending on your financial institution and the nature of the transaction. Typically, ACH transfers have lower fees compared to wire transfers, which can range from $15 to $50 or more for each transaction.
Many banks offer free ACH transfers for personal accounts, especially for direct deposits and recurring bill payments. However, some financial institutions may charge fees for certain types of ACH transfers, such as same-day ACH transactions or for businesses that initiate a high volume of transfers.
In addition to transaction fees, some banks may also charge monthly maintenance fees for business accounts that utilize ACH services. It’s essential to review the fee schedule provided by your bank to understand any potential costs associated with ACH transfers.
If you are a business planning to use ACH transfers regularly, consider discussing your specific needs with your bank. They may offer customized pricing or plans tailored to your transaction volume and types of payments.
14. How Do I Authorize an ACH Transfer?
Authorizing an ACH transfer is a crucial step in the transaction process. This authorization ensures that the sender has given explicit permission for funds to be transferred from their account. The authorization process can vary depending on whether the transfer is an ACH credit (depositing funds) or an ACH debit (withdrawing funds).
For ACH credits, such as direct deposit, authorization typically occurs when an employee provides their employer with the necessary bank account information and consents to receive their wages via ACH. This authorization may be formalized through a written agreement or an electronic form.
In the case of ACH debits, authorization is even more critical. The sender must explicitly consent to allow the recipient (such as a service provider) to withdraw funds from their account. This consent can often be obtained through a signed contract, a recorded voice message, or an electronic signature.
It’s important to keep a record of all authorizations for future reference. In cases where a dispute arises, having documented proof of consent can help clarify the situation and protect both parties involved in the transaction.
15. Can ACH Transfers Be Reversed?
ACH transfers can be reversed, but the process and conditions for doing so depend on the type of transaction and the circumstances surrounding it. Generally, ACH transfers may be reversed in cases of error or fraud, but this typically needs to be done within a specific timeframe.
For unauthorized ACH debits, consumers can file a dispute with their bank, which may initiate an investigation. The bank usually requires the claim to be reported within 60 days from the date of the transaction. If the bank finds in favor of the consumer, it may reverse the transaction and refund the amount.
However, ACH credits are more challenging to reverse. Once funds have been credited to a recipient’s account, the sender cannot simply retract the transfer without cooperation from the recipient’s bank and possibly the recipient themselves.
It’s important to keep in mind that reversing an ACH transfer can lead to delays and may not always be guaranteed. As such, individuals and businesses should ensure they provide accurate information and verify details before initiating an ACH transfer to avoid the need for reversals.
16. Is an ACH Transfer the Same as Direct Deposit?
An ACH transfer and direct deposit are closely related but not exactly the same. Direct deposit is a specific type of ACH transfer that involves depositing funds directly into an individual’s bank account, commonly used for payroll payments, government benefits, and other recurring deposits.
ACH transfers encompass a broader range of transactions, including both credits and debits. While direct deposit represents one direction—funds moving into an account—ACH transfers can also involve funds being withdrawn from an account, such as when a bill is paid electronically.
Both direct deposit and ACH transfers are processed through the ACH network, which allows for efficient and secure electronic payments. Employers and financial institutions often utilize ACH transfers to facilitate direct deposit, making it a prevalent and convenient method for handling payroll.
In summary, while all direct deposits are ACH transfers, not all ACH transfers are direct deposits. Understanding this distinction is crucial for effectively managing personal or business finances.
17. How Can Businesses Benefit from ACH Transfers?
Businesses can realize numerous benefits from using ACH transfers as part of their payment processing systems. One of the primary advantages is cost savings; ACH transfers generally incur lower fees compared to credit card processing and wire transfers, which can be particularly beneficial for companies with high transaction volumes.
Additionally, ACH transfers offer automation capabilities, allowing businesses to set up recurring payments for expenses such as payroll and vendor bills. This automation reduces manual processing and helps avoid late payments, leading to improved relationships with employees and suppliers.
Another benefit is the enhanced cash flow management that ACH transfers provide. By allowing for timely payments and direct deposits, businesses can better manage their cash flow, leading to more accurate financial forecasting and planning.
Moreover, ACH transfers enhance security by reducing the need for physical checks, which can be lost or stolen. The electronic nature of ACH transactions minimizes the risk of fraud and simplifies record-keeping, making it easier for businesses to track and reconcile payments.
In conclusion, incorporating ACH transfers into business operations can lead to cost savings, improved efficiency, and enhanced financial management.
18. What Is the Role of the ACH Network in an ACH Transfer?
The ACH network serves as a critical intermediary that facilitates electronic fund transfers between financial institutions in the United States. Operated by the National Automated Clearing House Association (NACHA), the network processes large volumes of transactions securely and efficiently.
When an ACH transfer is initiated, the originating bank submits the transaction to the ACH network, where it is processed in batches alongside other transactions. The ACH network ensures that the funds are moved between the sending and receiving banks, following specific rules and regulations established to maintain the integrity and security of the process.
The ACH network plays a crucial role in ensuring that transactions are settled accurately and in a timely manner. It also maintains records of transactions, which can be beneficial for tracking and reconciling payments.
In addition to handling traditional ACH transactions, the network has evolved to accommodate same-day ACH transfers, further enhancing its utility for businesses and consumers who require quicker payment processing options.
Overall, the ACH network is fundamental to the operation of ACH transfers, enabling seamless electronic payments and fostering trust in the electronic payment system.
19. Can International Payments Be Made via ACH Transfer?
ACH transfers are primarily designed for domestic transactions within the United States. As such, they are not typically used for international payments. The ACH network is limited to transactions between U.S. financial institutions, which means that sending funds to a bank account outside the U.S. generally requires alternative methods.
For international payments, other services, such as wire transfers, international money transfer services (like Western Union or TransferWise), or credit card payments, are often utilized. These methods allow for the movement of funds across borders, accommodating various currencies and international banking regulations.
However, some banks may offer services that facilitate international ACH payments through partnerships with foreign banks or through alternative networks. In these cases, the transaction may be converted into a different format that complies with international banking requirements.
If you need to send money internationally, it’s best to check with your bank for their available options and associated fees, as well as the expected processing times for those transactions.
20. How Do I Dispute an ACH Transfer?
Disputing an ACH transfer involves a formal process through which a consumer can challenge a transaction, typically due to unauthorized charges, errors, or fraud. If you believe an ACH debit has been processed incorrectly or without your permission, you should take immediate action.
First, contact your bank as soon as you notice the issue. Most banks have customer service hotlines specifically for reporting fraudulent transactions or discrepancies. When you reach out, be prepared to provide details such as the transaction amount, date, and any relevant account information.
After notifying your bank, they may require you to submit a formal written dispute, often within 60 days from the date of the transaction. In this document, explain the reasons for your dispute and include any supporting evidence.
Your bank will investigate the claim, which may involve reviewing transaction records and contacting the receiving bank. If they find in your favor, they will reverse the transaction and refund the amount.
It’s important to keep a record of all communications with your bank regarding the dispute. This documentation may be useful if further action is necessary or if you encounter delays in resolving the issue. Remember, timely reporting increases the likelihood of a favorable resolution.
FURTHER READING
 What Is An ACH Transaction? Explore Automated Clearing House Transactions
What Is An ACH Payment? Learn Automated Clearing House Payment
What Are The Benefits Of Using ACH – Automated Clearing House?
 What Are The Advantages And Disadvantages Of ACH – Automated Clearing House?
How Does ACH Work? Discover How Automated Clearing House Works
What Is ACH? Learn Automated Clearing House And How It Works
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ACH Transfers: What They Are, How They Work and How Much They Cost