Web-based, point-of-sale, telephone-initiated, corporate debit or anything else you can come up with.
How it works
Check21A.CH uses the Automatic Clearing House (ACH) and Check21 standards to initiate fund transfers between bank accounts. All banks in the USA are on one or both of these networks and are equipped to deal with ACH and Check21 transactions. For more information on the ACH standard see the NACHA website. For more information on Check21, see the Check21 FAQ on the federal reserve website