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How to Choose Between EFT vs ACH: A Comprehensive Guide

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With its unique structure, ACH transfers work well for improving business cash flow. ACH Credit or direct deposit refers to when the payer pushes funds into the recipients bank account or credit union account. Checks can get lost without a trace, but electronic transfers leave behind a digital trail.

ACH 88
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5 Benefits of ACH Payments Over Check Payments

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These transactions usually process within one to three business days and are most commonly used for payments such as direct deposits for payroll, recurring bill payments, and B2B invoice payments. Simply put, check payments are the analog version of ACH transfers.

ACH 88