An ACH (Automated Clearing House) transaction is an electronic process that allows the movement of funds between different bank accounts in the United States.

The ACH Network is a processing system that handles many financial transactions, such as recurring payments, direct wire transfers, bill payments, payroll direct deposits, and more.

Instead of using physical checks or traditional wire transfers, ACH transactions are conducted electronically, making payments more efficient and less costly.

These transactions generally take one to five business days to process, which means funds move from one account to another in a relatively short period of time.

ACH transactions are typically used for a variety of payments, from recurring bill payments to transfers between bank accounts, and are common for both commercial and personal transactions.