Main/

Automated Clearing House Transfers (ACH)

Automated Clearing House (ACH) Transfers are a specific type of electronic funds transfer within the United States, enabling the transfer of money directly between bank accounts. Common uses include payroll deposits, bill payments, and other batch-based transactions, providing cost-effective and reliable domestic transfers.

[
Code
PS0099
]
[
Name
Automated Clearing House Transfers (ACH)
]
[
Version
1.0
]
[
Category
Payment, Transfer & Remittance Services
]
[
Created
2025-03-14
]
[
Modified
2025-04-02
]

Related Techniques

T0026
|
Automated Transaction Systems
|

In the US context, scripted next-day ACH batches slice large sums into payroll-sized credits to mule accounts—classic structuring at scale.

T0068
|
Fictitious Payroll
|
  • Rapidly direct deposits to bogus employee or contractor accounts, shielding the scheme under standard payroll cycles.
  • Exploit employer-provided payee information without stringent identity checks, facilitating ghost employee payouts.