ACH Transfer

Banking & Credit

ACH (Automated Clearing House) transfers move money electronically between US bank accounts via the ACH network — direct deposit, bill payments, payroll, person-to-person via Zelle/Venmo/PayPal. Standard ACH is free or low-cost but takes 1-3 business days; same-day ACH is available for an extra fee. ACH transfers are reversible for 60 days (unlike wires), making them safer for routine transactions but riskier for irreversible needs. Limits typically range $5,000-$25,000 per transaction depending on the bank. For amounts above ACH limits or where instant settlement matters, use a wire transfer.