请问大家我从我美银帐号online transfer 到我本人另一个银行账户可以用ACH transfer 吗？

请问大家我需要从我美银帐号online transfer 几千到我本人在美国的另外一个银行账户是external transfer 吧？我看Bank of America 有两个选择ACH transfer 和wire transfer. ACH transfer 不收手续费，wire transfer 每次要收$30transfer fees. 我可以选ACH 吗？很久没有转过帐了，我记得好像只用过wire transfer. 而且记得给自己本人转帐应该不收手续费啊，想确认一下用ACH transfer 没有问题吧？谢谢！

你给自己写张支票，mobile deposit 不就行了？ 或者用Zelle 转

回复 2楼 Pangpang 的帖子
谢谢！我很久没用过支票已经没有支票了，我一直在用online banking, 没用过Zelle, 想说online transfer 能解决就不想再用Zelle了

halahawaii 发表于 2024-11-20 20:11
请问大家我需要从我美银帐号online transfer 几千到我本人在美国的另外一个银行账户是external transfer 吧？我看Bank of America 有两个选择ACH transfer 和wire transfer. ACH transfer 不收手续费，wire transfer 每次要收$30transfer fees. 我可以选ACH 吗？很久没有转过帐了，我记得好像只用过wire transfer. 而且记得给自己本人转帐应该不收手续费啊，想确认一下用ACH transfer 没有问题吧？谢谢！

ACH转账要收手续费的，转出的账号要设立ACH的服务，然后每月交服务费，比你wire transfer一次的费用贵多了。 如果你的账号有很多现金（几十万上百万的那种），可以去银行要求给你每月几次免费转账。

你online transfer就是ACH。ACH不要钱。

halahawaii 发表于 2024-11-20 20:23
回复 2楼 Pangpang 的帖子
谢谢！我很久没用过支票已经没有支票了，我一直在用online banking, 没用过Zelle, 想说online transfer 能解决就不想再用Zelle了

申请个zelle吧，很方便

哦，ACH是这样啊，太感谢了！幸好来这里问一下

ACH 不要钱啊，我从chase 经常转

ACH转账要收手续费的，转出的账号要设立ACH的服务，然后每月交服务费，比你wire transfer一次的费用贵多了。 如果你的账号有很多现金（几十万上百万的那种），可以去银行要求给你每月几次免费转账。
GWYH 发表于 2024-11-20 20:24

估计你搞错了，ACH一般没手续费，wire一般有手续费。wire比ACH快。
ACH and wire transfers are both electronic ways to move money between bank accounts, but they differ in cost, speed, and use cases: 
Cost ACH transfers are usually free or low cost, while wire transfers typically cost more.ACH fees may include return fees, reversal fees, or monthly fees. 
Speed Wire transfers are usually faster than ACH transfers. Wire transfers are sent and settled individually, while ACH transfers are sent in batches. 
Use cases ACH transfers are best for regular, domestic, and bulk transactions, while wire transfers are best for urgent, high-value, or international transactions. 
Security ACH transfers are generally considered more secure than wire transfers. However, ACH transfers can be reversed, while wire transfers usually can''t. 
Network ACH transfers use the Automated Clearing House (ACH), a network of financial institutions in the U.S. Wire transfers are processed through a bank. 

没听说ACH收费的。

aegeanboat 发表于 2024-11-20 20:30
你online transfer就是ACH。ACH不要钱。

谢谢！我也又读了一下ACH的说明，好像是不需要费用

先试试，转一块钱看看。 我经常在 BofA and Etrade 间转帐。

回复 6楼 安迪 的帖子
谢谢！

吃鸡蛋 发表于 2024-11-20 20:32
ACH 不要钱啊，我从chase 经常转

多谢你帮忙确认ACH不收费！

都是你自己的账号，转起来没问题的，ACH，不要钱。

对，ACH不要钱。每年报税补稅也是ACH给IRS。

可以。或者给自己写张支票。

金银岛 发表于 2024-11-20 20:37
估计你搞错了，ACH一般没手续费，wire一般有手续费。wire比ACH快。
ACH and wire transfers are both electronic ways to move money between bank accounts, but they differ in cost, speed, and use cases: 
Cost ACH transfers are usually free or low cost, while wire transfers typically cost more.ACH fees may include return fees, reversal fees, or monthly fees. 
Speed Wire transfers are usually faster than ACH transfers. Wire transfers are sent and settled individually, while ACH transfers are sent in batches. 
Use cases ACH transfers are best for regular, domestic, and bulk transactions, while wire transfers are best for urgent, high-value, or international transactions. 
Security ACH transfers are generally considered more secure than wire transfers. However, ACH transfers can be reversed, while wire transfers usually can''t. 
Network ACH transfers use the Automated Clearing House (ACH), a network of financial institutions in the U.S. Wire transfers are processed through a bank. 

太感谢了帮忙确认ACH不收费和提供的transfer 说明条款！放心了！