ACH Transfer Online: Quick and Easy Payments with Zil 

May 5, 2023 | ACH

Zil is a financial technology company, not a bank or an FDIC member. Zil offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

As the world becomes increasingly digital, many people seek more convenient ways to manage their finances. One solution is ACH transfer online – an electronic money transfer system between banks that offers a fast and secure payment method.

Zil is an official member of NACHA, the governing body that regulates ACH payments. The ACH transfer online service allows customers to make quick and easy payments to anyone with a bank account, whether it’s a regular direct deposit to payees or collecting direct payments from clients before due dates with the recurring ACH facility.

How Does ACH Transfer Online Work?

ACH transfer online sends money from one bank account to another through an electronic network known as the Automated Clearing House (ACH). NACHA regulates this network and ensures that transactions are secure and efficient.

To initiate an ACH transfer, customers must have an account with Zil and provide the necessary information. This information includes the recipient’s bank account number and routing number, the amount to be transferred, and other relevant details such as a reference number or payment date.

Once this information has been entered, Zil will process the transaction and send it through the ACH network. The recipient’s bank will receive the funds and credit them to the recipient’s account, typically within one to two business days.

Benefits of ACH Transfer Online

Speed and Efficiency

ACH payments are processed quickly and efficiently within one to two business days. This means that customers can pay bills, make purchases, or transfer funds without waiting for checks to clear or cash to be delivered.


ACH is a convenient way to manage finances. Customers can initiate transfers from anywhere with an internet connection, and they don’t have to worry about mailing or delivering physical checks.


ACH is also cost-effective compared to other payment methods. Customers don’t have to pay for checks or postage, and many banks offer ACH transfer online services for free or at a low cost.


Finally, ACH is a secure payment method. Transactions are processed through a secure network, and personal and financial information is protected. This makes it safer than carrying cash or using checks.

ACH vs. Wire Transfer

ACH (Automated Clearing House) and wire transfer are two different electronic methods of transferring funds from one account to another.

ACH is a batch processing system used for low-value transactions, such as payroll direct deposits and bill payments. It typically takes 1-2 business days to complete and has lower fees compared to wire transfers.

On the other hand, wire transfer is used for high-value and time-sensitive transactions. It provides real-time transfer of funds between accounts, but it has higher fees and is often subject to cut-off times and other restrictions.

ACH is more suitable for routine transactions, while wire transfers are better for urgent and high-value transactions.


In today’s digital age, ACH transfer online is a fast, convenient, and secure way to manage finances. With Zil, customers can make quick and easy payments to anyone with a bank account, whether a one-time or recurring transfer.

If you haven’t tried ACH transfer online yet, Zil encourages you to try it. Sign up today and experience the convenience and efficiency of ACH transfers. With the secure and reliable service, you can enjoy peace of mind knowing that your transactions are processed quickly and securely.

Get in Touch

(408) 775-7720

Make a call directly with our customer support team to make it instantly.

Mail to us to solve any queries you have with Zil.

111 N Market St, San Jose, CA 95113

Po Box 6543, Tyler TX 75711

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