The short version
- ACH is usually cheaper than wires but not instant.
- Authorization can be one-time or recurring.
- Cutoff times affect when money posts.
Batch processing
Banks send ACH files on a schedule, which is why posting is not immediate.
Authorizations
A written or electronic OK lets a company pull or push funds.
Returns
Insufficient funds or bad account numbers can send a payment back.
Questions for your bank
Ask about same-day ACH options and fees if timing matters.
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