What is an ACH transaction?
An ACH transaction is an electronic money transfer made between banks and credit unions across a network called the Automated Clearing House (ACH).
ACH is used for all kinds of money transfers, including direct deposit of paychecks and monthly debits for routine payments. Businesses often allow you to pay bills via ACH by providing your account number and bank routing number. Some online payment services also conduct transactions via ACH, including online bill payment services through banks and credit unions.
In online banking carding,ACH are of 2 types : ACH PUSH & ACH PULL
1. ACH PUSH : When you have a bank drop to receive money & also have access to bank log.
You add drop details in bank log & send money straight to your drop.
2. ACH PULL : When you have a bank drop to receive money but does not have online access.Yes,you can still spend money from log just with just AN (Account Number) & RN (Routing Number).
You add the AN RN details in your drop & set a transfer.Some banks can ask for mini deposit verification when you try to link AN RN with your drop but it is easy to get those without having online access of log.
Other than that,you can cashout your no online access logs on various websites which accept manual linking of bank account with AN RN only.
Such as PayPal,Western Union,Venmo,Wise etc.
Also,AN RN can be used for making checks.It is on the person how they cashout checks.Some prefer doing mobile deposit (deposit check online in their bank drop) & some print the check and use it in ATM to get instant cash.