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Automated Clearing House (ACH)
Automated Clearing House (ACH) is an electronic network for processing transactions, primarily in the United States. ACH facilitates the transfer of bank funds between bank accounts, enabling direct deposits, bill payments, and other types of electronic fund transfers. This system batches transactions for processing, typically on the next business day.
ACH is vital for efficiently managing financial transactions, such as payroll direct deposits, mortgage payments, and utility bills. It offers a cost-effective, reliable, and secure method for transferring funds electronically. ACH transactions must adhere to regulations established by the National Automated Clearing House Association (NACHA), which sets standards and procedures to ensure the safety and integrity of these electronic payments.