This article is intended for business accounts.
If you pull funds from another US bank to Adro, an ACH transfer limit will apply. If you want to make a transfer that exceeds your limit, you can initiate the transaction from your other bank or send a wire transfer instead.
What is ACH?
ACH (Automated Clearing House) is a network used for transferring money between US bank accounts electronically.
ACH push: You send money from your US account to someone else's US account. Think of it as pushing money out—like when you pay a bill or send money to a friend.
ACH pull: Someone takes money from your account (with permission). This happens when you set up automatic payments for things like rent or utilities, where the company pulls money from your account.
It's a safe and common way to move money within the US.
The simplest way to remember the difference between ACH push and ACH pull is to think about where you are initiating the ACH transfer.
ACH push: You initiate the transfer from your other bank. You are pushing the funds to Adro.
ACH pull: You initiate the transfer from within Adro. You are pulling the funds to Adro.
Where do I find my ACH transfer limit?
To find your ACH pull limit:
Login to your Adro account
Navigate to 'Move money' then 'Deposit'
Your limit will be displayed at the top of the page
Does it cost anything to make an ACH transfer?
Adro does not charge a fee to initiate or receive an ACH transfer.
How long does it take for the money to appear?
ACH transfers usually take 1–3 business days to process. The exact timing depends on factors like each bank's processing speed, the time the transaction was initiated, and whether it's an ACH push (sending money) or pull (receiving money).
Generally, ACH push is a bit faster than ACH pull.
ACH push can be processed same day or within 1–2 business days.
ACH pull requires authorization and processing by the receiving party. This often takes a bit longer—2–3 business days—because the request must go through verification and approval steps.