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What are examples of ACH transactions?

  1. ACH Direct Deposit: This transaction occurs when you receive funds directly into your account, such as your payroll check, government benefits, taxes and other refunds, retirement benefits, etc.
  2. ACH Credit: This ACH transaction transfers funds into another account. Payments made through Online Banking Bill Pay is an example of an ACH credit payment. Through Bill Pay, you authorize Jeanne D’Arc Credit Union to credit a person or company’s account (i.e. your landlord) from your account using their account number and routing number.
  3. ACH Debit: This ACH transaction pulls funds directly from your savings or checking account. If you initiate payments for your mortgage, credit card or utility bill with the merchant, in person, on the phone, or through their website, the merchant uses your account number and routing number to withdraw the payment from your account.

ACH transactions do not include any payments made with your debit or credit card.