Automated clearing house (ACH) payments use an electronic system that lets banks in the United States transfer money to each other. Businesses pay vendors, employees and contractors with ACH payments.

Statements
When viewing your statements or transaction history, ACH means an electronic payment has been made to or from your account using your checking account information. A common example is a direct deposit setup with your employer. 

Bills
When reviewing a bill, ACH means you can pay your bill electronically with your checking or savings account number and routing number. This is commonly referred to as eChecks, EFT, or autopay.