ACH Transfer Limits - All You Should Know

Learn about the various ACH Transfer Limits of banks according to the National Automated Clearing House Association.

Joachim Adeponle

May 13, 2023 • 4 min read

ACH Transfer Limits

If you use ACH transfer to make payments frequently, it is important for you to know that there are ACH transfer limits. Although this form of electronic payment is considered cheap and secure, its transfer limit is something to consider before using it to execute a transaction. Generally, the transfer limits of ACH transactions vary depending on the bank you use. The different transfer limits for popular banks will be explored below.

What are ACH Transfers?

ACH transfers are digital, bank-to-bank funds transfers that are processed via the Automated Clearing House Network. Essentially, it involves moving money from one bank (or financial institution) to another bank electronically via the Automated Clearing House Network.

This form of electronic transfer is generally more secure than others and attracts little to no transaction fees. This makes them one of the best payment methods for business owners.

What is an ACH Transfer Limit?

ACH Transfer Limits are the specific amount of money you can send and receive via ACH transfers. While most banks set their limits, there is a general limit imposed by NACHA (National Automated Clearing House Association) that applies to all ACH transfers between financial institutions.

Basically, banks place daily and monthly limitations on their ACH transfers, with the guidelines set by the NACHA. These limits generally apply to both your outgoing and incoming transactions and your savings accounts. Transfer limits can vary depending on the bank and the ACH platform.

Incoming ACH Transfer Limits

In 2022, the National Automated Clearing House Association (NACHA) increased the individual ACH transfer limit to $1 million. This limit is pertinent to all eligible same-day transfers and intends to ensure that receivers get their money within the stipulated timeframe. It also benefits different kinds of larger transfers, including insurance claim payments, payroll funding, and b2b tax payments.

Outgoing ACH Transfer Limits

The transfer update which was increased to $1 million in 2022, also applies to outgoing transfers. Essentially, the outgoing ACH payment limit was increased from $100,000 to $1 million.

List of ACH Transfer Limits at Top U.S Banks

Below, we’ve provided a list of some of the most popular U.S. banks and their ACH transfer limits.

Bank	ACH Transfer Limits	Transfer Fee
Ally Bank	Varies depending on your bank account history	$0
Wells Fargo	Varies depending on your bank account history. It can get up to $5,000 daily	$0
Bank of America	$3,000 daily or $6,000 monthly for standard delivery. For next-day delivery, the limit is $2,000 per day or $5,000. per month.	$3 only for standard delivery $10 only for next-day delivery
Chase	$25,000 daily or $10,000 per transaction	$0
TD Bank	Generally, $3,000 per month depending on your bank account history	$0
CitiBank	$10,000 per month or just $2,000 per day	$0
Capital One	$10,000 per day or just $25,000 per month	$0
PNC Bank	$2,000 per day or $5,000 per month. Note that these transfer limits may be revisited and increased if your account history is positive.	$0 if the transfer is done online and only $3 if you’re assisted in the branch
U.S. Bank	Varies depending on your bank account history. However, the set limit is $2,500 per day	$0 for standard time transfer from other financial institutions $3 for standard-time transfer to other financial institutions
Santander Bank	$5,000 daily with one-time passcode (this limit is reduced to $500 without one-time passcode) $20,000 monthly	$0
Truist	Varies depending on your bank account history	$3 for standard time transfer delivery and $6 for next-work day delivery
Citizens Bank	$10,000 per day or just $15,000 per month	For next-day transfers: $2,500 daily and $5,000 monthly $3 for standard time transfer delivery and $10 for next-work day delivery
Fifth Third Bank	$2,000 per day or $5,000 per month	$3
M&T Bank	$10,000 per day (inbound transfers) or $20,000 per day (outbound transfers)	$3

ACH Transfer Fees

Another important fee you must take note of is the transfer fee charged by banks. If you plan to make transfers regularly, these fees can quickly add up, thereby making the charge costly to you.

Most banks charge their customers around $3 for every ACH transfer they execute with a standard delivery time. As for next-day delivery, they charge about $8 on average.

Nevertheless, some banks, such as Ally Bank and Capital One allow you to transfer, without charging any transfer fee for the transaction.

Bottom Line

As stated earlier, ACH transfer limits vary depending on the bank you use. Also, the kind of ACH transfer can affect the limit, as inbound transfer limits are different from outbound transfers. Inbound transfers mean that you are receiving the funds, while outbound transfer is when you are sending out funds. From the different limits outlined above, we can conclude that most banks have higher inbound limits than outbound transfer limits.

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