Automated Clearing House (ACH)
Electronic Check Payment Network
The Automated Clearing House is the electronic network which transfers and clears funds between banking institutions on behalf of merchants and their customers. Each transaction takes approximately 48 hours to clear, and we strongly suggest that merchants wait five days from the initial transaction date before shipping any goods. This leaves two days to debit the consumer's account, two days to deposit the funds into the merchant's account, and one day for the bank to post the transaction.
What is ACH?
Funds transfer system governed by the Rules of the National Automated Clearing House Association, which provides for the interbank clearing of electronic entries for participating financial institutions.
ACH Resource Links
NCN Check Collection Bureau - National Check Network (NCN) Owned and Operated by ECHO, Boulder, Colorado 800-280-7677
Cornell Law School -- US Codes / UCC / More
NEACH New England ACH Association 14 Summer Street, 4th Floor Malden, MA 02148 Phone: (781) 321-1011 Fax: (781) 338-9627
NWCHA Northwest Clearing House Association 1411 4th Avenue, Suite 760 Seattle, WA 98101 Phone: (206) 622-7846 Fax: (206) 622-3197
Payments Resource One 2401 North Central Avenue, Suite 120 Phoenix, AZ 85004-1331 Phone: (602) 340-1600 Fax: (602) 340-1488
SWACHA - The Electronic Payments Resource 1999 Bryan Street, Suite 1500 Dallas, TX 75201 Phone: (214) 954-0585 Fax: (214) 720-0029
SFE Southern Financial Exchange 1340 Poydras Street, Suite 2010 New Orleans, LA 70112-1221 Phone: (504) 525-6779 Fax: (504) 525-1693
EastPay, Inc. 700 East Main Street, Suite 1411 Richmond, VA 23219 Phone: (804) 644-1642 Fax: (804) 648-5254
EastPay, Inc. 425 A South Sharon Amity Road Charlotte NC 28211 Phone: (704) 366-7292 Fax: (704) 366-7557
TACHA Tennessee ACH Association 1243 Oakwood Road Joelton, TN 37080 Phone: (615) 746-9515 Fax: (615) 746-0216
WACHA Wisconsin ACH Association 16655 West Blue Mound Road, Suite 370 Brookfield, WI 53005 Phone: (262) 796-0252 Fax: (262) 796-0272
Electronic Payments Network 1500 Harbor Boulevard, Lobby B, 2nd Floor Weehawken, NJ 07087 Phone: (201) 319-5402 Fax: (201) 319-5491
Payments Central 3380 Tremont Road Columbus, OH 43221-2112 Phone: (614) 457-2204 Fax: (614) 457-4824
Cornell Law School -- UNIFORM COMMERCIAL CODE - ARTICLE 4 BANK DEPOSITS AND COLLECTIONS
NACHA - The Electronic Payments Association 13665 Dulles Technology Drive, Suite 300 Herndon, VA 20171 (703) 561-1100
WesPay 100 Bush Street, Suite 400 San Francisco, CA 94104-3907 Phone: (415) 433-1230 Fax: (415) 433-1370
UMACHA Upper Midwest ACH Association 5701 Shingle Creek Parkway, Suite 500 Brooklyn Center, MN 55430 Phone: (763) 549-7000 Fax: (763) 549-7004
MPX Mid-America Payment Exchange 112 West 9th Street, Suite 700 Kansas City, MO 64105 Phone: (816) 474-5630 Fax: (816) 471-7665
ALACHA Alabama ACH Association 1220 Financial Center, 505 North 20th Street Birmingham, AL 35203 Phone: (205) 324-7976 Fax: (205) 324-7988
GACHA Georgia Automated Clearing House Association 4064 Vinings Mill Trail Smyrna, GA 30080 Phone: (770) 435-0770 Fax: (770) 435-1309
SHAZAM, Inc. 6700 Pioneer Parkway Johnston, IA 50131 Phone: (800) 537-5427 Fax: (515) 248-5828
The Payments Authority, Inc. 1301 West Long Lake Road, Suite 360 Troy, MI 48098 Phone: (248) 952-5800 Fax: (248) 952-5820
MACHA Mid-Atlantic Clearing House Association 201 Benton Avenue, Suite 200 Linthicum Heights, MD 21090 Phone: (410) 859-0090 Fax: (410) 859-3452
MIDWEST Midwest ACH Association 230 South LaSalle Street, Suite 700 Chicago, IL 60604 Phone: (312) 913-2597, (800) 875-2242 Fax: (312) 913-2599
