ACH Basics – How it Works “from A-Z”

ACH is one of the most widely used payment systems in banking, yet many employees never receive formal training on how it actually works.

This practical session provides a clear, end-to-end overview of the ACH network, including who participates in an ACH transaction, how payments move through the system, how settlement occurs, and how Same Day ACH has changed processing and funds availability.

Whether you’re new to ACH or looking to strengthen your understanding of the fundamentals, you’ll leave with a clearer picture of how ACH payments work and why they matter.

Why Attend?

Many banking professionals interact with ACH transactions every day without fully understanding what happens behind the scenes. As ACH processing continues to evolve, that knowledge gap can make it difficult to answer customer questions, troubleshoot issues, or understand processing timelines.

This session breaks down ACH in plain language and explains the key concepts every banking professional should know, including:

• The participants involved in every ACH transaction
• ACH debits vs. ACH credits
• Settlement and funds availability
• Legacy ACH vs. Same Day ACH processing
• Common ACH payment types and use cases

What You’ll Learn

• How the ACH network works
• The roles of the key ACH participants
• How ACH transactions are processed and settled
• The differences between Legacy ACH and Same Day ACH
• How funds availability is determined
• Common ACH payment types and transaction flows

Who Should Attend?

• ACH and operations staff
• Retail and frontline banking professionals
• Treasury management personnel
• Compliance, audit, and risk professionals
• Banking managers and supervisors
• Business owners and ACH originators
• New banking employees and aspiring AAPs