Instant ACH Transfer Online

Instant ACH Transfer Online is an electronic money transfer that allows you to move funds between bank accounts in real time. To make an instant ACH transfer, you typically need the recipient’s bank routing number and account number.

With Zil Bank, you can enjoy convenience and fast money transfers between banks through ACH (Automated Clearing House) payments. Zil Bank is an official member of NACHA, which regulates ACH payments. Therefore, you can trust that your transactions will be secure and efficient. Experience the ease and convenience of ACH payments with Zil online banking.

Sign in to our platform, and set up your bank account at zero cost. You can then make and receive payments through ACH transfers using any device, including computers, tablets, and smartphones. Our platform also offers check drafts, checks by mail, eChecks, and invoicing options. 

Create Virtual Cards as Required to Securely Manage Expenses!

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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? 

ACH stands for Automated Clearing House, which is a network that facilitates electronic payments and money transfers. It is used for various transactions, including direct deposit of pay checks, automatic bill payments, and person-to-person payments. ACH transactions are processed by banks and financial institutions and are typically less expensive. Your business can benefit a faster ACH processing when using Zil online banking.

One-stop solution 

Zil offers a free business checking account that caters to all your business needs. Use the platform to manage employee costs, pay checks, invoices, and bills. You can also design and print your business and personal checks instantly through Zil.

One-Stop Solution
One-Stop Solution

One-stop solution 

Zil offers a free business checking account that caters to all your business needs. Use the platform to manage employee costs, pay checks, invoices, and bills. You can also design and print your business and personal checks instantly through Zil.

Business Checking Account

Business Checking Account

For carrying out routine business operations, a checking account is an essential tool. Without a minimum deposit or ongoing fees, Zil provides checking accounts to meet the banking needs of small businesses. With Zil’s online banking, opening a US checking account is simple, and customers may benefit from same-day ACH and wire payments as well as quick money transfers. Users can improve their company’s finances and enjoy easy banking with Zil’s business checking account.

Visa Gift Card Online

Sending gifts to anyone on your contact list is simple with Zil’s Digital Visa Gift Card. Once received, the recipient can use the card to make purchases at any place that accepts gift cards. The card can be quickly distributed to the recipient by email. Zil’s virtual card is the best choice for businesses to send online gift cards to their clients or employees for any occasion because there are no limits on the number of recipients.
Visa Gift Card Online

FREQUENTLY ASKED QUESTIONS

What is ACH payment?

An ACH payment is an electronic funds transfer (EFT) processed through the Automated Clearing House (ACH) network. This network enables the transfer of money between bank accounts. It is used for various transactions, such as direct deposit of pay checks, automatic bill payments, and person-to-person payments. ACH payments are typically less expensive.

How long does an ACH transfer take?

ACH transactions take around 3-5 business days to process, but it can take longer for some transactions. Zil, an official member of NACHA, offers customers the same business-day ACH transactions on its platform.

How to make an ACH payment?

To make an ACH payment, you will typically need to provide the recipient's bank routing number, account number, the recipient's name, the amount of the payment, etc. You can initiate an ACH payment through various means, such as online banking.

ACH vs Wire

The primary distinction between ACH and wire transfers is that wire transfers can only send money, while ACH can be used to send and receive funds. As a result, ACH transactions take longer than wire transfers, typically used for larger sums of money. Additionally, wire transfers typically have higher transaction fees than ACH transactions. Zil offers multiple options for paying and receiving payments, such as ACH, direct deposit, printable checks, or international wire transfers, allowing you to choose the best method for your business needs and cash flow.

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