Automated Clearing Houses (ACH) are electronic networks that facilitate the transfer of money between banks. They allow for the processing of various types of transactions, such as direct deposits, bill payments, and money transfers, making it easier for individuals and businesses to manage their finances. ACH transactions are typically processed in batches, which means they are grouped together and settled at specific times during the day. This system is widely used in the United States and is governed by the National Automated Clearing House Association (NACHA), ensuring secure and efficient payment processing.