What is ACH?
ACH is an electronic fund transfer made between banks and credit unions across the Automated Clearing House network. These payments use a financial network in the United States to transfer funds directly from one bank account to another without using paper checks, credit card networks, or wire transfers. If you pay your bills electronically or receive direct deposits, you are already most likely using the ACH network. Funds from ACH or EFT payments usually become available in 3 to 5 business days.