About
ACH is the US batch network for bank-to-bank credits and debits, governed by Nacha's operating rules and operated by the Federal Reserve and The Clearing House's EPN. An online 'e-check' is a WEB debit: the consumer authorises a merchant over the internet to pull funds from their bank account, and since 2021 the merchant must validate that account before first use. Payments do not settle in real time; the network runs 23 1/4 hours each business day and settles four times daily, with Same Day ACH (launched 2016) the fastest option. In 2025 the ACH Network carried 35.2 billion payments worth $93 trillion.
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