ACH Code

ACH codes are widely used in  banking procedures. An ACH code stands for Automated Clearing House Code. It is a network used for electronic money transfers and electronic payments.

ACH is a method of clearing credit and debit payments, and is quite popular in the US. These payments are usually used for initiating and completing the payment for business-to-customer (B2C), business-to-business (B2B), and person-to-person (P2P) transactions.

What is an ACH Code?

ACH (Automated Clearing House) codes or routing numbers are widely used in banking transactions and serve as a network facilitating electronic money transfers and electronic payments in the US.

What are ACH payments?

ACH payments are electronic fund transfers which are created when the sender/payer provides the details and authorisation to debit the said amount of funds directly from their bank account.

ACH payments are typically used for business-to-customer (B2C), business-to-business (B2B), and person-to-person (P2P) transactions.

These transactions are usually to pay various types of bills online, including payments for mortgages, rentals, and others.

Where to find your ACH code?

Your ACH code can be found on your online banking platform, on your cheque book (typically located next to your account number) or by searching online for “ACH routing number” and your bank’s name.

How long does an ACH payment take?

  • A credit card’s ACH payment typically takes two to three days for clearing

  • An ACH billing takes about three to five days to get completed

You can see your ACH transfers in your bank account statement with the term ‘ACH’ mentioned against the amount of the transfer.

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