Next Day ACH debit: The Automated Clearing House (ACH) is a payment method allows consumers to pay for transactions by debiting from their bank account directly, as opposed to using a credit card.

With Next Day ACH, a transfer initiated before 4 p.m CST on a Monday would be available within the Penny Network on Tuesday approx. midday. Transfers initiated after 4pm CST on a Thursday would be available in Penny Central on the following Monday.