The automatic clearing house (ACH) is a secure network used to connect banks to each other. It is through this network that direct deposits, electronic payments, certain transfers and debit-card payments are processed.

The ACH network is also used for business-to-business payments, electronic payments, and certain local, state and federal tax transactions. ACH processing was initially introduced in the 1970s as an alternative to traditional check payments.

RCC stands for remotely created check. Remotely created checks provide merchants who sell their products or services over the phone or Internet a safe and reliable way to take consumers check information and process it just like a personal check.