Understanding ACH Transfer Limits Across Major Banks
ACH (Automated Clearing House) transfers have become the backbone of business-to-business payments, allowing companies to move money electronically between bank accounts. Effective March 18, 2022, NACHA - the body governing the ACH Network- increased the individual transaction limit to $1 million, applicable to all eligible same-day payments. However, individual banks set their own conservative limits well below this maximum.
For businesses that consistently hit traditional banking limits, specialized solutions like Nickel offer unlimited free ACH transfers with single transaction limits up to $1 million, specifically designed for companies processing large invoice-based payments without the daily bottlenecks that constrain traditional banking relationships.
