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How is an ACH electronic check conversion different from a debit card, or ATM, transaction?

April 26, 2017ACH ATM conversion Debit card different electronic transaction

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How is an ACH electronic check conversion different from a debit card, or ATM, transaction?

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Debit transactions are processed through the ATM network, where a card number is required (not for our on-line ATM check conversion) to link to the correct bank for payment. Check conversion employs the existing infrastructure using MICR data from the check and running it through the ACH network.