What is ACH?

Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. You can use ezACH Deposit Software  to generate the ACH file to


- Deposit the fund for payroll, employee expense reimbursement

- Pay Vendors

- Pay Government taxes

- Collect paycheck from customers


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 Payment processed as an ACH credit pushes funds into an account. An example of this is when a consumer initiates a payment through his/her 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 his/her account is debited automatically.


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

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