But can people (not business) initiate ACH transactions? Yes. I used to do it to move money between checking accounts at different institutions. I don't th

But can people (not business) initiate ACH transactions? Yes. I used to do it to move money between checking accounts at different institutions. I don't think I've ever had an account that charged for ACH transfers. Meanwhile Zelle isn't supported by exactly one financial institution I use (but not one I use for banking).