| Digital Checks | ACH |
| 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.