|Digital Checks use BOTH Check21* and ACH for settlement and clearing
|ACH is a bank-to-bank transfer that cannot use Check21*
|Typically, offer overnight or 2 business days settlement cycles
|Typically, offer 4 business days settlement cycles
|Digital Checks work with all types of Bank Accounts and for all transfer amounts
|ACH is calibrated with limited types of Bank Accounts and do not transact over $500M
*Check21 is the ability to transmit check images instead of physical checks.