What Is ACH

Automated Clearing House (ACH) is an electronic network for financial transactions in the United States.

The ACH Network processes two types of transactions: Direct Deposits via ACH and Direct Payments via ACH.

Direct Deposit via ACH is the deposit of funds for payroll, employee expense reimbursement, government benefits, tax and other refunds, and annuities and interest payments. It includes any ACH credit payment from a business or government to a consumer.

A Direct Deposit processed as an ACH credit pushes funds into an account. An example of this is when a consumer initiates a payment through their bank or credit union to pay a bill.

A Direct Payment processed as an ACH debit pulls funds from an account. An example of this is when a consumer establishes a recurring monthly payment for a mortgage or utility bill, and their account is debited automatically.

Most Banks Support ACH Payment

American Express Centurion Bank, Bank of America, Merrill Lynch, BB&T, BMO Harris Bank, BNY Mellon, Capital One, Citibank N.A., Discover Financial Services, Inc., Fifth Third Bank, First PREMIER Bank, Huntington National Bank, J.P. Morgan, KeyBank, M&T, Merrick Bank Corporation, MetaBank, Navy Federal Credit Union, PNC Bank, Citizens Bank, Regions Financial Corp., State Bank & Trust Company, Silicon Valley Bank, SunTrust, TCF National Bank, TD Bank, N.A., The Bancorp Bank, UMB Bank, U.S. Bank, Wells Fargo and more.

The NACHA Operating Rules require that ACH credits settle in one to two business days and ACH debits settle on the next business day.

ezACH Software

With ezACH software, you can create the NACHA ACH file to make ACH Payment easily. ezACH makes it easy to

- Deposit the funds for payroll, employee expense reimbursement
- Pay Vendors
- Pay Government taxes
- Collect payments from customers

The ACH processes all credits and debits from a particular bank in one batch. This method is thus more suitable when you receive funds from multiple clients or send payments to multiple employees and vendors.

ezACH generates NACHA ACH files for easy upload to your bank, enabling seamless electronic fund transfers. If you haven't installed this ACH generator yet, you can download a free, no-obligation 14-day trial - no credit card required.

ezACH software is compatible with Windows 11, 10, 8.1, 8, 7, Vista, 2012, 2003 and other Windows PC.