Editing ACH Network (section)

==Uses of the ACH payment system==
[[File:Trends in noncash paymentsin the US, by value, 2000–22.png|thumb|right|US [[Federal Reserve]] historical analysis of different payment methods by trillions of payment dollar volume. ACH are the two upward moving orange lines. Card payments are the three blue lines at the bottom.]]
* Bank [[treasury management]] departments sell this service to business and government customers
* [[Business-to-business]] payments
* [[Direct debit]] payment of consumer bills such as mortgages, loans, utilities, insurance premiums, rents, and any other regular payment
* [[Direct deposit]] of payroll, [[Social Security (United States)|Social Security]] and other government payments, and tax refunds
* [[E-commerce]] payments
* Federal, state, and local tax payments
* Non-immediate transfer of funds between accounts at different financial institutions (when a real-time transfer is required, a wire transfer using a system such as the Federal Reserve's [[Fedwire]] is employed instead)