ACH

ACH transfers explained: timing, same-day ACH, limits and returns.

An ACH debit diagram: a biller sends a pull request to your account and money moves out to the biller after you authorize it, with a cyan arrow noting that an ACH credit is pushed by the sender.

ACH · Oct 31

What is an ACH debit? How pulls differ from credits

An ACH debit pulls authorized money from your bank account. See who starts it, examples and how to stop one.

A U.S. ACH leg card sending a pink arrow to a foreign bank card, a cyan arrow marked IAT credit in, and chips for names, addresses, bank IDs and reason

ACH · Oct 29

International ACH transactions: what IAT means

IAT is the U.S. ACH leg of an international payment. Check the route, fees, timing and return policy first.

ACH payment posted with a correction to the account details for the next payment

ACH · Oct 26

ACH Notification of Change: what to do with an NOC

An ACH NOC corrects account details after a processed payment. Check the original entry before sending again.

An ACH prenote shown as a zero-dollar account check sent from an originator to a bank, with no funds moving.

ACH · Oct 25

What is an ACH prenote? How the zero-dollar check works

An ACH prenote checks whether an account can accept ACH entries without moving money. Here is what a response proves.

Cover reading What are micro-deposits, with two small credits of $0.05 and $0.15 entering a bank account card and a $0.20 debit leaving it, net $0

ACH · Oct 22

What are micro deposits? How the bank check works

Two tiny deposits under $1 that prove a bank account is yours, when they show up, and what to do if they don't.

Stop automatic payments: monthly debit arrows for July to September, a faded October debit and a pause bar

ACH · Oct 20

Stop automatic payments from your bank account

How to revoke a company's debit permission, give your bank a stop order and deal with a payment that still goes through.

Fifteen colored cells beneath an ACH trace number heading and overlapping transfer arrows.

ACH · Oct 18

ACH trace number: finding a missing payment

Ask for the payment's ACH trace number, then give it to the bank handling the missing deposit.

ACH return codes R01, R02 and R10 shown as labeled payment-return arrows

ACH · Oct 16

ACH return codes: R01, R02, R10 and more

What common ACH return codes mean, how return windows differ and what to do next.

Send & Pray cover: pink and cyan crossing arrows beside the title Can ACH be reversed?, with a dark tile showing the return code R10

ACH · Oct 11

Can an ACH transfer be reversed?

Reversals, disputes and stop-payment orders: what you can still do after an ACH payment, and the deadlines.

ACH · Oct 5

Same Day ACH: deadlines, limits and when your money lands

Three windows a banking day, a $1 million limit and bank cutoffs that come first. What Same Day ACH means for you.

ACH · Sep 27

ACH transfer pending: why, how long, and what a return means

An ACH transfer is pending because the network settles in batches, on banking days only.

ACH · Sep 26

How long does ACH take? Same day, next day or two days

Most ACH payments settle within one banking day. The deadlines and exceptions, with Nacha and Fed sources.

ACH moves money in batches that settle at set times on banking days. A regular ACH deposit must be available by 9:00 AM on the settlement date, Same Day ACH settles at 1:00 PM, 5:00 PM and 6:00 PM ET, and nothing settles on weekends or Federal Reserve holidays. Start at the ACH hub.