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Learn about the ACH

ACH is a network that connects all banking and financial institutions within the United States, and facilitates bank-to-bank transfers. The ACH Network is at the center of commerce in the U.S., moving money and information from one bank account to another.

Most consumers already use this payment method: when employers pay salaries through direct deposit or consumers pay bills electronically, the payments are facilitated by the ACH network. The network is widespread: 83 percent of businesses use ACH in some capacity. The ACH network connects more than 10,000 banks and credit unions and is responsible for settling more than 24 billion transactions annually. Last year, more than $41.6 trillion were transferred using the ACH network.

The ACH Network is now one of the largest, safest and most reliable payment systems in the world, creating value and enabling innovation for all participants.

The Electronic Payments Association,
The organization that manages the development of the ACH