An ACH transfer is a method of electronically moving money between bank accounts in the United States. It stands for Automated Clearing House, which is a network that facilitates these transactions. ACH transfers are commonly used for direct deposits, bill payments, and other types of money transfers, making them a convenient option for both individuals and businesses. These transfers are typically processed in batches, which means they may take one to two business days to complete. ACH transfers are generally considered safe and cost-effective, with lower fees compared to other payment methods like credit cards or wire transfers.