ACH transfer limits are restrictions placed on the amount of money that can be transferred through Automated Clearing House (ACH) transactions. These limits vary for different banks and financial institutions, but generally speaking, most ACH transfers are limited to $25,000 per day and up to $250,000 in a single transaction. There may also be other restrictions or fees associated with ACH transfers, and these should be discussed between the sender and the recipient.

ACH transfers are often faster and more secure than other forms of payment such as checks or wire transfers. This is why they are often used for large payments, like mortgage payments or business transactions. But, it’s important to be aware of the limit in order to avoid any potential problems or delays.

In addition to daily and transaction limits, banks may also have other restrictions on ACH transfers. For example, some banks might require that the recipient’s bank account must be with a financial institution located in the same country as the sender’s bank. Additionally, some banks might require additional authentication before a transfer is processed.

Finally, it’s important to always double-check the ACH transfer limit with your bank before making any large transfers. This will help ensure that your payment goes through without any problems or delays and that you don’t run into any unexpected fees or restrictions. It’s also a good idea to ask your bank if they offer any special services or discounts for ACH transfers, as these can sometimes save you time and money in the long run.

Overall, understanding your bank’s ACH transfer limit is a key component of managing your finances and making sure that large payments are processed securely and in a timely manner. It’s important to be aware of the limits and any associated fees before you make a transfer, so that you don’t run into any surprises down the line. Additionally, always double-check with your bank to make sure there are no additional restrictions or special services available for ACH transfers.