Payments & Banking

ACH (Automated Clearing House)

A US bank-to-bank electronic transfer network, used for low-cost direct payments from a member's checking account.

Last updated September 7, 2026

ACH is the network that moves money directly between US bank accounts – the same rails behind direct deposit and online bill pay. For dues collection it's the cheapest method because it carries a low, flat processing cost instead of a percentage, so it's usually the least expensive way for members to pay larger amounts.

Related terms

Payment Processing Fee

The charge a payment processor takes to handle a transaction, often a percentage plus a fixed amount.

ACH Return

A failed or reversed ACH payment, commonly due to insufficient funds or a closed account.

Settlement

The transfer of collected funds into the chapter's bank account after payments are processed.

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