Fedwire is not ACH. Those are different systems. [1] https://en.wikipedia.org/wiki/Fedwire https://en.wikipedia.org/wiki/Fedwire [2] https://en.wikipedia.org

Fedwire is not ACH. Those are different systems. [1] https://en.wikipedia.org/wiki/Fedwire https://en.wikipedia.org/wiki/Fedwire [2] https://en.wikipedia.org/wiki/ACH_Network https://en.wikipedia.org/wiki/ACH_Network Fedwire is a much faster, more modern system than ACH. You can only access it if you are a bank, though. ACH is available to anyone, but it's old and uses FTP. There are also a faster modernized next-day and same-day versions of ACH available as of the last few years. I haven't checked out their protocols, though, to see if they still use FTP.