第一次接触这个 EFT 的支付方式，原来和我们用P卡的ACH是不一样的。 # f; q% ?* n) v. i1 o6 V5 I3 C% M- @, ^0 t9 y
ACH means Automatic Clearing House and EFT means Electronic Funds Transfer. Both the ACH and EFT refer to money transfer from one account to another or from one place to another. The Automatic Clearing House and the Electronic Funds Transfer have simplified the process of money transfer. Both the ATH and the EFT procedures are very quick and they have revolutionized the entire banking sector.* c, Q; I) H9 A4 t8 z3 ?
7 _0 y; Q% r- L- H) L1 zThough Automatic Clearing House and EFT and Electronic Funds Transfer are most of the times regarded as synonymous, they actually have some slight differences.! F4 \ ?( Y$ s6 ^/ ~
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Electronic Funds Transfer mainly deals with transferring money from one account to another in an electronic way. One of the central functions of the banking system, the Automatic Clearing House helps in funds transfer between accounts and different banking institutions. 8 Y( s. i+ {2 @8 W2 h6 x1 a 4 r% H/ s' N. E! H' t$ Q& F( eThe different banks are connected through Automatic Clearing House. Electronic transfers, direct deposits, and debit card payments and electronic payments are normally processed through the Automatic Clearing House. The Automatic Clearing House is also used for certain local/state/federal tax transactions and business-to-business payments. It is the ACH that serves as a link between the point of origin of a transaction and the point of its termination.2 y) m, Q1 l5 P& r0 Z8 }3 A2 }) q
. m, ` J: x4 H& L9 X) zIt was in the 1970s that the Automatic Clearing House came into effect replacing the traditional ways of bank transactions.; P/ }* u& K7 u
6 y9 o- j8 m8 l& X8 k6 }& KAutomatic Clearing House is used mainly when people get deposits directly into their account from their employer. No fee is taken for receiving the deposits. On the other hand, when funds are withdrawn or pulled from the account, this can be done through Electronic Funds Transfer. The Electronic Funds Transfer comes into effect when paying bills or buying goods with a credit or debit card, / v, Z U/ {3 ?& u5 ]& d, |. e1 T$ R* g3 v
$ T7 A9 n5 y/ b! T0 T 1 M2 o$ P+ `3 wSummary 2 C8 P+ o k h1 u ! P' C% D- L- K: ?1. ACH means Automatic Clearing House and EFT means Electronic Funds Transfer. ' m& q1 ?4 c/ M, X: |; G- |6 Y# M1 A7 D, d" u7 k& ]9 r |+ b
2. Electronic Funds Transfer mainly deals with transferring money from one account to another in an electronic way. The Automatic Clearing House helps in funds transfer between accounts and different banking institutions. & j5 Y) g- i. _0 E) q" w * u2 R6 ^" t* h% ?. @ I3. The different banks are connected through Automatic Clearing House. The ATH that serves as a link between the point of origin of a transaction and the point of its termination. / g0 O g5 {" U E5 b 5 E/ N+ ?$ i: V; T Y/ h& Q5 [1 J k4. Electronic transfers, direct deposits, and debit card payments and electronic payments are normally processed through the Automatic Clearing House. The ATH is used mainly when people get deposits directly into their account from their employers. 6 m U8 o- F' K# H* f8 D# r7 j; L; M9 I; W
5. When funds are withdrawn or pulled from the account, this can be done through Electronic Funds Transfer. The Electronic Funds Transfer comes into effect when paying bills or buying goods with a credit or debit card.
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