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ACH transfers are among the most common forms of EFT, widely used for payroll direct deposits, bill payments, and government benefit disbursements. Think of ACH as the workhorse of the EFT world, handling massive volumes of transactions on a daily basis. ACH transfers operate through a network of financial institutions that exchange electronic credit and debit entries. When you set up a direct deposit for your paycheck, for example, your employer uses the ACH network to transfer funds from their account to yours. Similarly, when you authorize a company to debit your account for recurring bill payments, they use ACH to initiate the transaction. ACH transfers are typically processed in batches, which means they may take one to three business days to clear. While this may seem slower than some other forms of EFT, ACH offers a cost-effective and reliable way to move money between accounts.
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