In the United States, the ACH Network is the national automated clearing house (ACH) for electronic funds transfers established in the 1960s and 1970s. It processes financial transactions for consumers, businesses, and federal, state, and local governments. ACH processes large volumes of credit and debit transactions in batches. Short for "Automated Clearing House", ACH credit transfers include direct deposit for payroll, Social Security and other benefit payments, tax refunds, and vendor payments. ACH direct debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills.

The rules and regulations that govern the ACH network are established by National Automated Clearinghouse Association (Nacha). In 2018, the network processed 23 billion transactions with a total value of $51.2 trillion. Credit card payments are handled by separate networks.

The Reserve Banks and the Electronic Payments Network (EPN) are the ACH operators.