1、ACH的是比wire便宜的交易。

2、ACH的是通过批处理，而wire要求实时完成。

3、wire是ACH的传输更快的替代方案。

4、交易较大数额的钱时，wire安全很多。

5、ACH是自动结算。ACH只对账号，不对人。

6、另一方面转移线是用联邦储备系统的银行转帐的银行。发送银行和接收银行会为这项服务收取费用。而wire则要看系统审核，更加严格。 ACH全称--The Automated Clearinghouse 是一种电子支付系统，用来为美国全国范围内的机构进行电子信用和借记转帐支付。是用客户的银行帐户和路径信息进行处理的一种支付方式。

ACH transactions and wire transfers are often confused with each other。 They are both electronic transfers of money, but they are not the same types of transactions。

Wire transfers are typically used for transferring large dollar amounts of funds between banks very quickly。 In the United States, wire transfers are processed through the Federal Reserve Wire Network。

The acronym ACH can stand for “Automated Check Handling” or “Automated Clearinghouse。” ACH transactions are electronic checks, and are used for processing lower dollar amount payments。

They are processed in a manner similar to that of paper checks, and do not travel directly from one bank to another。 ACH transactions are processed through a clearinghouse divides that handles crediting and deducting accounts of the originating and paying banks。

It typically takes one or two days to settle ACH transactions。