Jpmorgan chase address for ach

Bank Routing Number 074000010 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments. Login | Create Account. ... Jpmorgan Chase Bank, Na: Address: Tampa, FL . Phone: 800-677-7477: Type: Main Office: ... and ACH(Automated Clearing House) direct deposits, bill payments, and other automated …

Jpmorgan chase address for ach. New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking ® account with qualifying activities Access to more than 15,000 Chase ATMs and more than 4,700 branches Chase Mobile ® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. JPMorgan Chase …

4 . Payment Reports – Date Type Range Difference If you are requesting a payment report with one of these Date Types: Previous Month, Previous 2 Months, and Previous 3 …

JPMorgan Chase Bank NA - Hillsborough And Sheldon Branch. Full Service, brick and mortar office. 6703 Memorial Hwy. Tampa, FL, 33615. Full Branch Info | Routing Number | Swift Code. JPMorgan Chase Bank NA - Tampa - Fletcher Avenue Branch. Full Service, brick and mortar office. 2802 E Fletcher Ave. Tampa, FL, 33612.Chase. PO Box 659809. Internal Mail TX3-7849. San Antonio, TX 78265-9109. To Dispute Information Reported. to a Consumer Reporting Agency: JPMorgan Chase Bank, N.A. PO Box 182108. Internal Mail OHW-1000. Columbus, OH 43218 All Other Written Correspondence: JPMorgan Chase Bank, N.A. PO Box 44945. Indianapolis, IN 46204-4945Chase Performance Business Checking comes with a $30 Monthly Service Fee that can be waived by maintaining an average beginning day balance of $35,000 or more in linked business savings, CDs and other Chase Performance Business Checking accounts (excluding client funds savings accounts). Transaction Fees will not be charged for all electronic ... JPMORGAN CHASE : Office Type: Main office: Delivery Address: 2ND FLOOR, TAMPA, FL - 33610 Telephone: 800-677-7477: Servicing FRB Number: 041000014 Servicing Fed's main office routing number: Record Type Code: 1 The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = Institution is a Federal Reserve BankOct 28, 2021 · The routing number information on this page was updated on Jan. 5, 2023. Check Today's Mortgage/Refi Rates. Bank Routing Number 083000137 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments. Check Today's Mortgage/Refi Rates JPMorgan Chase Bank has a total of 49 routing numbers. The status, location, and other information of the JPMorgan Chase Bank routing numbers are listed.Oct 28, 2021 · The routing number can be found on your check. The routing number information on this page was updated on Jan. 5, 2023. Check Today's Mortgage/Refi Rates. Bank Routing Number 322271627 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments. Confirm the deposit each pay cycle by signing in to chase.com, the Chase Mobile ® app or checking your account statement. What information do I need to provide in order to set up direct deposit? Your employer or depositor’s name and address

The routing number can be found on your check. The routing number information on this page was updated on Jan. 5, 2023. Check Today's Mortgage/Refi Rates. Bank Routing Number 021202337 belongs to Jpmorgan Chase Bank, Na. It routing FedACH payments only.Your Chase Account Number (If using a Chase Loan, Investment or other Non-Deposit acct number do NOT ener it here; enter it in "Other Information" & indicate the type of account to be credited): 576701699 Amount of the Wire. For Domestic transfers, Chase ABA Routing/Transit Number: 021000021 For International transfers, Chase Swift Code. …JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State: FL: ZIP: 33610: Phone (813) 432-3700: Find Routing Number Search. Validate Routing Number ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network.Routing number 111000614 is assigned to JPMORGAN CHASE located in TAMPA, FL. ABA routing number 111000614 is used to facilitate ACH funds transfers and Fedwire funds transfers. Toggle navigation Bank Codes. Swift Codes; Routing Numbers . US Routing Numbers; ... Address: 2ND FLOOR: City: TAMPA: State: FLORIDA (FL) Zipcode: 33610 …In person. We offer access to more than 15,000 ATMs and more than 4,700 branches. Find a Chase branch or ATM near you or schedule a meeting with a banker. Contact Chase Business Customer Service by mail, email, phone or by Twitter.Detail Information of ACH Routing Number 122100024; Routing Number: 122100024: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State Contact Us | Personal Banking | Chase.com. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES. SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF …Routing number 122100024 is assigned to JPMORGAN CHASE located in TAMPA, FL. ABA routing number 122100024 is used to facilitate ACH funds transfers and Fedwire funds transfers. Toggle navigation Bank Codes. Swift Codes; Routing Numbers . US Routing Numbers; ... Address: 2ND FLOOR: City: TAMPA: State: FLORIDA (FL) Zipcode: 33610 …

JPMORGAN CHASE : Office Type: Main office: Delivery Address: 2ND FLOOR, TAMPA, FL - 33610 Telephone: 800-677-7477: Servicing FRB Number: 121000374 Servicing Fed's main office routing number: Record Type Code: 1 The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = Institution is a Federal Reserve BankBank Routing Number 061092387 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments. Login | Create Account. ... Jpmorgan Chase Bank, Na: Address: 10430 Highland Manor Drive. Tampa, FL 33610. Phone: 813-432-3700: Type: ... and ACH(Automated Clearing House) direct deposits, bill payments, and other …Detail Information of ACH Routing Number 122100024; Routing Number: 122100024: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State JPMorgan Chase is headquartered in New York, 383 Madison Ave, United States, ... Address; United States: New York: 383 Madison Ave. HQ. United States: Atlanta: 3424 Peachtree Road NE Monarch, Tower, 24th Floor: United States: Austin: 221 W 6th St 2nd Floor: United States: Baltimore: 650 S Exeter St Floor 9: United States:

N192268181.

To learn more about J.P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS and Guide to Investment Services and Brokerage Products.. JPMorgan Chase Bank, N.A. and its affiliates (collectively "JPMCB") offer investment products, …Investors are always looking for stocks that are poised to beat at earnings season and JPMorgan Chase & Co. (JPM Quick Quote JPM - Free Report) may be one …Detail Information of ACH Routing Number 021000021; Routing Number: 021000021: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 3RD FLOOR: City: TAMPA: State Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. To learn more, visit the Banking Education Center. For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback.

JPMorgan Chase Bank routing number 071000013 is used by the Automated Clearing House (ACH) to process direct deposits. ABA routing numbers, or routing transit numbers, are nine-digit codes you can find on the bottom of checks and are used for ACH and wire transfers. Routing Number 071000013 Name JPMorgan Chase Bank Address 9000 Haggerty- Mi 1-8205,Oct 30, 2022 · Step 1 – Open and use the Chase app and sign in. Step 2 – Click on your account. Step 3 – Click on “ Show Details ”. Step 4 – You can now see both your Chase bank routing number and your bank account number on the screen in your account details. Download a prefilled direct deposit form to give your employer so your paycheck is automatically deposited into your checking or savings account. Here’s how: After signing in, tap the account where you want to receive your direct deposit. Swipe up and tap "Set up direct deposit form". Check that the info is correct or make updates, then tap ...Routing number : 322271627, Institution Name : JPMORGAN CHASE, Delivery Address : 10430 HIGHLAND MANOR DRIVE,TAMPA, FL - 33610, Telephone : 813-432-3700. Toggle navigation US Banks Directory. Routing ... The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = Institution is a Federal Reserve Bank; 1 = …JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states. Bank deposit accounts, such as …Routing and account number information is easily available for Chase customers. You can consult our app, go online, or locate the numbers on your checks. Chase Bank Incoming International Wire Transfer Instructions. ; Routing Transit Number: 021000021 ; Bank address, City & State : JPMorgan Chase Bank N.A. 1111 ...The 021000021 ABA Check Routing Number is on the bottom left hand side of any check issued by JPMORGAN CHASE. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State: FL: ZIP: 33610: Phone (800) 542-2218: Find Routing Number Search. Validate Routing Number ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network.

Choose “Personal details" in the settings. Select the information you want to change and follow the prompts. When you're done, we'll send confirmation to the email address we have on file. We make your updates in real time, but they may not appear right away. If that happens, please check back in 24 hours.

Operator. Good morning, ladies and gentlemen. Welcome to JPMorgan Chase's third-quarter 2023 earnings call. This call is being recorded. [Operator …The 021202337 ABA Check Routing Number is on the bottom left hand side of any check issued by JPMORGAN CHASE. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank.Some institutions may require additional information like your Social Security number or personal address. ... you’ll be asked to select how much of your paycheck should be directed to each of your accounts. ... NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES;Detail Information of ACH Routing Number 074000010; Routing Number: 074000010: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State The 021000021 ABA Check Routing Number is on the bottom left hand side of any check issued by JPMORGAN CHASE. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Chase Payment Solutions services are provided by Paymentech, LLC, a subsidiary of JPMorgan Chase Bank, N.A. Credit Cards are issued by JPMorgan Chase Bank, N.A. Lending products are provided by JPMorgan Chase Bank, N.A Equal Opportunity Lender. All products are subject to approval.The 021000021 ABA Check Routing Number is on the bottom left hand side of any check issued by JPMORGAN CHASE. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank.Nacha ISO 20022 Credit Transaction Guide to Mapping U.S. ACH File Formats – CCD, CTX, PPD and Outbound IAT. ... JPMorgan Chase. Microsoft. PNC. Oracle. SAP. US Bank. Wells Fargo. Table of Contents. ... Note that this document is limited to pain.001 message transactions and does not address pain.002 or the camt messages …

Canvas.ocps.

3961 s las vegas blvd.

JP Morgan Chase Bank, NA: Bank Address: 270 Park Avenue New York, NY 10017(regardless of where your account is located) ... The routing number is used to transfer, wire or ACH money from one person or business to another. The nine-digit number looks like this: 1st 4 numbers = Location;Pay Vendors and Employees 2. Standard ACH Delivery Time 3: 1-2 business days. Standard ACH Delivery Fee: First 10 payments per month are $2.50 each, any additional payments are only $0.15 each. Reversible: Yes. Same-day ACH 4 Delivery Time: Arrives by end of day. Same-day ACH Fee: 1% of each transaction amount up to $25 maximum. …Detail Information of ACH Routing Number 325070760. Routing Number. 325070760. Date of Revision. 082416. Bank. JPMORGAN CHASE. Address. 10430 HIGHLAND MANOR DRIVE.The 071000013 ABA Check Routing Number is on the bottom left hand side of any check issued by JPMORGAN CHASE. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. Detail Information of ACH Routing Number 124001545; Routing Number: 124001545: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State Detail Information of ACH Routing Number 111000614; Routing Number: 111000614: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: StateThe completed and signed Wire Transfer form can be provided to any of JPMorgan Chase Bank NA Branch. Keep the Wire Transfer Disclosure for your records. Wire transfer requests must be received and confirmed by cut-off time of JPMorgan Chase Bank NA. There is a fee for sending a wire transfer.JPMorgan Chase Bank, NA. New York, NY. ABA Number: 021000021. SWIFT Code ... ACH. ABA Routing Number: 121143037. Credit to: Customer Name. Account Number: ...J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency ... ….

By checking your bank’s monthly statement, 021000021 is the Wire Routing Number for Chase Texas. For wire transfers within the United States, the routing number is The SWIFT code for Chase is CHASUS33. The ACH routing number for Chase Texas is 111000614. To make an ACH transfer to a Chase account, you require an ACH routing …For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback. Sports & Entertainment Chase gives you access to unique sports, entertainment and culinary events through Chase Experiences and our exclusive partnerships such as the US Open , Madison Square Garden and Chase Center .Here’s how to send a domestic wire transfer: After signing in, tap "Pay & Transfer". Tap "Wires & global transfers". Choose or add your recipient and tell us the account you would like to wire funds from. Enter the wire amount and date, then tap "Next". To complete, review details and tap "Schedule Wire" then "Close".ACH Routing Number 075000019 - JPMORGAN CHASE. Detail Information of ACH Routing Number 075000019. Routing Number. 075000019. Date of Revision. 082416. Bank. JPMORGAN CHASE. Address.JP Morgan Chase Bank, NA: Bank Address: 270 Park Avenue New York, NY 10017(regardless of where your account is located) ... The routing number is used to transfer, wire or ACH money from one person or business to another. The nine-digit number looks like this: 1st 4 numbers = Location;Here’s how: Sign in to your account. Choose “Pay & transfer”, then choose “Payment Center". Choose “More…”, then choose “Pay with ACH file upload”. Choose “ACH File Upload”, then confirm your identity. Choose “Next”, then enter your activation code. Choose “Next”, then select “Choose a file”. Select the file ...Chase Customer Service: We can help you! | Chase. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES. SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS …The numbers: Not great. Yes, JPMorgan Chase beat most analysts’ already-depressed estimates by posting a $5.9 billion profit, above the $5.4 billion forecast. But that figure is nearly 8% weaker than its $6.5 billion profit in the second qu...JPMORGAN CHASE : Office Type: Main office: Delivery Address: 2ND FLOOR, TAMPA, FL - 33610 Telephone: 800-677-7477: Servicing FRB Number: 121000374 Servicing Fed's main office routing number: Record Type Code: 1 The code indicating the ABA number to be used to route or send ACH items to the RFI. 0 = Institution is a Federal Reserve Bank Jpmorgan chase address for ach, Detail Information of ACH Routing Number 111000614; Routing Number: 111000614: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State , Enroll now Pay vendors and employees electronically Improve your cash flow and handle your business payables efficiently with electronic payments from Chase. Our ACH and Real-time payment services provide a secure and convenient way to pay your vendors – and your employees – through Direct Deposit., Oct 28, 2021 · The routing number can be found on your check. The routing number information on this page was updated on Jan. 5, 2023. Bank Routing Number 071000013 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments. , Chase locator. Find an ATM or branch near you, please enter ZIP code, or address, city and state., JPMORGAN CHASE: Address: 9000 HAGGERTY - MI 1-8205: City: BELLEVILLE: State: MI: ZIP: 48111: Phone (800) 677-7477: Find Routing Number Search. ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network., JPMorgan Chase & Co. (JPM) delivered earnings and revenue surprises of 11.31% and 1.89%, respectively, for the quarter ended September 2023. Do the numbers …, Please mail your payment to the address below. Cardmember Services P.O. Box 6294 Carol Stream, IL 60197-6294. ... JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES;, Eligible transactions are certain ACH credit transactions, such as payroll, tax refunds, government benefits, and pensions. We rely on ACH transaction coding sent to us by : ... offered through JPMorgan Chase & Co. and its affiliates and …, The routing number can be found on your check. The routing number information on this page was updated on Jan. 5, 2023. Check Today's Mortgage/Refi Rates. Bank Routing Number 021000021 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments., Checking Text Message Program: Message and data rates may apply. For Help call 1-800-935-9935. Reply STOP to 40107 to no longer receive Chase Checking text messages until you provide your consent again. Mobile carriers not liable for delayed or undelivered messages., The 267084131 ABA Check Routing Number is on the bottom left hand side of any check issued by JPMORGAN CHASE. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank., 5. 027000136. 00136-270. Bank One International. 1410 Blair Place. Gloucester. ON. List of routing numbers & branch transit numbers for Jpmorgan Chase Bank National Assoc.. Get routing number details & branch address information of all Jpmorgan Chase Bank National Assoc.'s branches required in money transfer transactions., and address should be used. Host-to-Host Formatting Assistance For translation assistance between SWIFT and file based formats, please reference the table on page 76 . This guide is provided to JPMorgan Chase …, The routing number for Chase in Ohio is 044000037 for checking and savings account.. The ACH routing number for Chase is also 044000037. The domestic and international wire transfer routing number for Chase is 21000021. If you’re sending an international transfer to Chase, you’ll also need a SWIFT code.. Click here to see routing number for Chase in …, Large banks, like Chase, will have multiple routing numbers serving each region and/or task. Apologies as chat was not needed for the address for a wire transfer. You can send it to: Bank Name JP Morgan Chase Bank. Account Name American Express Card Member Wire Depository Address 1 Chase Plaza New York, NY 10081., The routing number for Chase in Texas is 111000614 for checking and savings account. The ACH routing number for Chase is also 111000614. The domestic and international wire transfer routing number for Chase is 21000021. If you’re sending an international transfer to Chase, you’ll also need a SWIFT code., General Bank Reference Address: JPMorgan Chase, New York, NY 10017. ABA/Routing Number: For ACH: 028000024 For Wire: 021000021 SWIFT code: CHASUS33. Bank Account Number: 20000043472201. Bank Account Name: City and County of San Francisco. For credit to: Business Tax (TTX), Detail Information of ACH Routing Number 021000021; Routing Number: 021000021: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 3RD FLOOR: City: TAMPA: State , 5. 027000136. 00136-270. Bank One International. 1410 Blair Place. Gloucester. ON. List of routing numbers & branch transit numbers for Jpmorgan Chase Bank National Assoc.. Get routing number details & branch address information of all Jpmorgan Chase Bank National Assoc.'s branches required in money transfer transactions., The 111000614 ABA Check Routing Number is on the bottom left hand side of any check issued by JPMORGAN CHASE. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. , JP Morgan Wire and ACH Transfers - How Long Do They Take in 2023? If you've opened up a new Chase brokerage account, you're going to have to deposit some funds ..., We make it easy. It just takes a few steps. Then you can typically access your money in 2-3 business days. 1: Sign in Sign in above. From the " Pay and transfer " tab, choose " …, Grant Guidelines. Media Contacts. For other questions about JPMorgan Chase, call 1-212-270-6000. For customer service questions, call 1-800-935-9935. Chase. Consumers. Business Banking. Middle Market and Commercial Banking. Follow us @Chase., "JPMorgan Chase Email Virus" distributes a malicious Microsoft Word document that, once opened, asks users to enable macro commands, otherwise the content will not be displayed properly. By enabling macros, however, users grant permission to execute commands that stealthily install and download Emotet trojans., Detail Information of ACH Routing Number 021409169; Routing Number: 021409169: Date of Revision: 082416: Bank: JPMORGAN CHASE: Address: 3RD FLOOR: City: TAMPA: State, Increases the Same Day ACH limit for both eligible debit and credit entries from $100,000 to $1 million USD. Increasing the dollar limit has been a frequently asked for change by ACH end-users. Most recently, a summer 2020 survey of corporate ACH end-users resulted in recommendations for Same Day ACH: Increase or remove dollar limits., Updates effective in 2021 New Third Same-Day ACH Processing Window — Effective March 19, 2021 A third Same-Day ACH processing window is being created, expanding Same-Day ACH availability by 2 hours to provide greater access for all Originators and their customers., JPMORGAN CHASE: Address: 3RD FLOOR: City: TAMPA: State: FL: ZIP: 33610: Phone (813) 432-3700: Find Routing Number Search. Validate Routing Number ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network., The routing number can be found on your check. The routing number information on this page was updated on Jan. 5, 2023. Check Today's Mortgage/Refi Rates. Bank Routing Number 124001545 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments., Here’s how to send a domestic wire transfer: After signing in, tap "Pay & Transfer". Tap "Wires & global transfers". Choose or add your recipient and tell us the account you would like to wire funds from. Enter the wire amount and date, then tap "Next". To complete, review details and tap "Schedule Wire" then "Close"., The routing number can be found on your check. The routing number information on this page was updated on Jan. 5, 2023. Check Today's Mortgage/Refi Rates. Bank Routing Number 124001545 belongs to Jpmorgan Chase Bank, Na. It routing both FedACH and Fedwire payments., JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State: FL: ZIP: 33610: Phone (800) 677-7477: Find Routing Number Search. Validate Routing Number ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network., JPMORGAN CHASE: Address: 2ND FLOOR: City: TAMPA: State: FL: ZIP: 33610: Phone (800) 542-2218: Find Routing Number Search. Validate Routing Number ... (ACH) Routing Numbers are part of an electronic payment system which allows users to make payments or collect funds through the ACH network.