ACH

ACH (Automated Clearing House) is the U.S. financial network used for electronic payments and money transfers. You can experience quick ACH payments on Zil Banking, an official member of NACHA, which regulates ACH payments. With the recurring ACH facility, you can make regular direct deposits to your payees or collect direct payments from clients before due dates.

Pay and get paid by ACH transfers anytime, anywhere through computers, tablets, or smartphones.

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, Texas National Bank, and East-West Bank.

We Offer You the Best

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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.

ACH Processing

What is ACH?

ACH stands for Automated Clearing House. It is a U.S. financial network that helps people to make electronic payments and money transfers. ACH transfers money from one bank to another over a secure network run by NACHA. When you use Zil online banking, you can experience faster ACH processing and other benefits for your business checking account. 

SERVICES

Experience the power of next-generation cloud banking solutions at Zil US SaaS platform, revolutionizing the banking industry

Banking Platform

Enjoy US banking experience online at zero hidden fees and streamline your operations from anywhere, anytime.

ACH

Enjoy a smooth and efficient process for ACH payments, free of complications at low transaction costs.

Payroll Card

Experience endless convenience, instant access to funds, and enhanced security with Zil’s payroll card.

Wire Transfer

Send or receive funds domestically or internationally with the wire transfer service with minimal transaction charges.

Pay by Phone

Send money using your phone number seamlessly and discover the convenience of Zil.US!

Gift Card

Effortlessly gift with Zil. Email gift cards to any contact for use at any store. Ideal for all occasions and unlimited recipients.

API

Enhance Services with Virtual and Gift Card APIs! Create unlimited cards and set spending limits. Empower business with Zil.US.

All-In-One Platform

Zil’s free business checking account provides banking services to meet all your business needs. Manage employee costs with customizable cards, manage paychecks, and manage invoices and bills using the platform. Also, design and print your business and personal checks instantly with Zil. 

NACHA Membership

Zil US Mobile Banking SaaS Solutions

Download the Zil mobile app for convenient, secure, and safe banking on the go. Access all features and services for your banking needs effortlessly.

Advantages of ACH Payment

Advantages of ACH Payment

ACH (Automated Clearing House) is a digital payment system in the US that simplifies fund transfers between bank accounts, making them easy, fast, and affordable. Zil Banking prioritizes safety with firm encryption for your personal data, providing secure and convenient automated payments. NACHA closely monitors ACH for smooth operations. While payments typically take 1-2 days, Zil Banking offers same-day processing on the same business day.

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All-In-One Platform

Zil Banking offers cloud-based banking services tailored for businesses. You can easily open a fee-free checking account with no minimum balance needed. The platform also efficiently handles employee expenses with customizable corporate expense cards. Zil Banking supports various payment methods, including ACH, mail checks, wire transfers, and virtual cards.

All-In-One Platform

FREQUENTLY ASKED QUESTIONS

What is ACH?

ACH stands for Automated Clearing House, the U.S. financial network managed by NACHA for electronic payments and transfers. With Zil Banking, you can enjoy faster ACH processing and other perks for your business checking account.

What is ACH transfer?

ACH transfers in the United States are electronic bank-to-bank payments facilitated by the ACH network (Automated Clearing House). This system, managed by the National Automated Clearing House Association (NACHA), efficiently directs funds from one bank to another. Utilize the Zil Banking ACH feature to effortlessly manage regular payments to your payees or collect payments from clients hassle-free.

How long does ACH transfer take?

An ACH transfer is typically delivered and settled in a few business days. Zil Banking, an official member of NACHA, offers customers same-business-day ACH transactions on its platform.

ACH vs Wire

The main difference between ACH and wire transfer is that wire transfers can only push money, while ACH is used to both push and pull money. ACH typically takes longer to credit than a wire transfer, which transfers bigger sums of money. Wire transfers have a higher transaction fee percentage than ACH. With Zil Banking, businesses can make transactions through ACH and wire at affordable costs.

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