ACH Payments

ACH Payments using Zil is very easy and convenient. No more struggles with recurring transactions. With an ACH payment processor, businesses can make or accept ACH payments anytime, anywhere with computers, tablets, or smartphones. Log in to our platform and add your bank account for quick and easy ACH transfers at a low price. 

ACH Payments

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initial fee

No initial fees or hidden fees to open account with us.

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maintenance fees

Enjoy hassle-free banking services with no maintenance fees.

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minimum deposit

Start your banking journey with zero minimum deposit.

0

initial fee

No initial fees or hidden fees to open account with us.

0

maintenance fees

Enjoy hassle-free banking services with no maintenance fees.

0

minimum deposit

Start your banking journey with zero minimum deposit.

What Is ACH?

What is ACH?

Automated Clearing House, or ACH, is a network used for electronic funds transactions between U.S. bank accounts. It will let you digitally transfer funds between your bank account and a vendor or employee bank account. It’s also easy to implement ACH payments for your small business. ACH payments through Zil are less expensive than paper checks, credit card transactions, and wire transfers. 

National Automated Clearing House

ACH payments, also known as direct payments, are electronic bill payments that are debited straight from the customer’s checking account or savings account. The money is transferred from one bank account to another without using paper checks, credit card networks, wire transfers, or cash. ACH transfers are routed from one financial institution to another over a network through a secure system run by National Automated Clearing House Association (NACHA), which regulates these types of transfers. 

NACHA

FREQUENTLY ASKED QUESTIONS

What is ACH payment?

ACH payments are the transfer of money electronically, and it involves moving money between two banks using the Automated Clearing House network, a secure network run by NACHA. People often use them for direct deposit or auto bill pay. You can experience faster ACH transfer with Zil online banking.

How does ACH payment processing work?

Debit and credit are the two ways ACH payments are processed. When a customer authorizes the merchant to make an electronic transaction, it is called ACH debit. On the other hand, when money gets deposited into the receiver’s account, it is called ACH credit. You can do easier and faster ACH payments with Zil online Banking.

ACH Payment vs Credit Card

ACH is guaranteed to go through once processed and completed. This usually takes days, but it is free or low cost. Meanwhile, credit cards go through a credit card network to verify limits and incur interest charges. Process ACH at a low cost using Zil.

What is the cut-off time for processing ACH debits and credits?

Here are the cut-off times for originating ACH Credit & Debit Transactions:
Same Day ACH Cut-Off: 9:45 AM PST
Next Day ACH Cut-Off: 2:45 PM PST

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