Buy bitcoin with ACH transfer

What is ACH transfer?

ACH is the batch clearing network that moves US dollar payments between accounts at US banks and credit unions. Payments clear under the Nacha operating rules through one of two ACH operators, the Federal Reserve's FedACH service and The Clearing House's Electronic Payments Network, which handles roughly half of US commercial ACH volume. The same rail carries payroll direct deposit, bill payments and the bank transfers used to fund and withdraw from an exchange, for accounts held in the United States and its territories, and it pushes or pulls funds by routing and account number rather than by card.

Speed

Standard entries normally settle the next banking day, while Same Day ACH has three windows each banking day settling at 1:00 pm, 5:00 pm and 6:00 pm Eastern.

Cost

There is no scheme charge to you directly and US banks generally do not charge personal customers for a standard ACH debit or credit, though a bank may price same day origination separately.

Limits

Same Day ACH is capped at $1,000,000 per payment, raised from $100,000 on 18 March 2022, and individual banks commonly set lower per day limits of their own.

Speed and cost describe the rail itself. What an exchange adds on top varies by platform and is shown per exchange below.