ACH is the predominant network for electronic funds transfer in the United States. Transferring money over ACH is generally cheaper, but slower, compared to other networks. ACH supports both credits (sending money) and debits (receiving money).
Incoming ACH payment instructions do not include the account and routing numbers of the originating account at the external financial institution. This limitation exists because account and routing numbers are not sent to receiving banks in the incoming NACHA files sent through the Federal Reserve.
The
nacha_bodyfield contains all available details from the incoming ACH instructions.