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Every business needs an effective and secure method for transferring funds between two financial institutions.

Automated Clearing House (ACH)

The ACH network enables a hassle-free way to electronically transfer funds.

Transferring funds doesn’t have to be a huge ordeal. And frankly, it shouldn’t be. With ACH, or Automated Clearing House network, you can painlessly transfer funds between two financial institutions. Or, in the case of a business, between the customer’s account and the merchant’s account. And that’s really all there is to it.

The ACH network gives individuals the power to use direct deposit, e-check, or to make recurring payments. In this case, it’s directly extracted from a savings or checking account.

Automated Clearing House (ACH) - A Financial Hub

A Financial Hub

ACH acts as the epicenter or town square for all electronic transactions in the U.S.

Automated Clearing House (ACH) - Facilitator


Helps easily move transfers of money from one bank to another. For both individuals and organizations.

Types of Transactions

Transactions consist of direct deposits, direct payments, and e-checks.

What are the advantages of ACH?

Utilizing the ACH network offers a whole host of advantages for your business. The most obvious is that it supplies a safe and secure platform to conduct virtual transactions. With virtual transactions such a fundamental part of business nowadays, this safe space is vital – you’re in charge of people’s sensitive information. But this security is precisely why ACH is the largest and most reliable payment system in the United States.

Other benefits include being able to process batches at your business. Financial institutions gather ACH transactions all day long so it’s a much simpler affair at the end of the day. Additionally, ACH is paperless and stores all the transaction information in one place. This is a win for you when the amount of paper you’re tracking and shuffling is minimized.

Another huge benefit of ACH, especially for larger businesses, is that it enables direct deposits for payroll. This is a much cleaner process, minimizing resources, labor, and the use of paper. By easily depositing money directly into accounts, it also eliminates the possibility of human error.

For e-commerce merchants, the ability for customers to enter bank information directly removes the long wait for checks to clear. And for non-profits, it simplifies the donation process by simply entering bank info into a form online. This has proven to significantly increase donations.

Work with Bank of Merchant

Bank of Merchant is like the conductor of a grand orchestra. We make sure that all parts of the payment processing system work together to make beautiful music. With the ACH network, we ensure your business will be able to easily transfer funds between you and the customer. This will allow your business to operate without account micro-management, and it’ll please your customers with the convenience it provides. ACH will allow your customers to feel comfortable entrusting you with their private information.

Contact us today to learn about using the ACH network through Bank of Merchant services.

ACH keeps electronic payments safely flowing.