The Automated Clearing House (ACH) Network is an electronic funds-transfer system run by the former National Automated Clearing House Association (NACHA) since 1974. The ACH payment system provides ACH transactions for use with payroll, direct deposit, tax refunds, consumer bills, tax payments, and many more payment services in the U.S.. There are two types of ACH transfers: direct deposits and debits. Direct deposits are when money is transferred from one bank account to another bank account electronically. This can be used for things such as receiving your paycheck or Social Security benefits directly deposited into your checking or savings account without having to go to the bank yourself. Debit transactions occur when a person authorizes a merchant to withdraw money from their checking or savings account for a purchase they have made online or in-store.For example, if you use your debit card at a store instead of cash, the store will send an authorization request through the ACH Network to your financial institution asking them to transfer funds from your account into theirs.The best part about using ACH payments is that it’s incredibly secure! Transactions are processed through multiple layers of security including firewalls and 128-bit encryption technology so you can be sure that your information stays safe and confidential at all times. In addition, most banks offer 24/7 customer service support so if you ever have any questions about how to make an ACH payment or need help troubleshooting something related to this service then there’s always someone available who can assist you!Overall I think that everyone should start using ACH payments whenever possible because it’s such an easy way not only save time but also stay safe while making purchases both online and in-store.