ACH is a direct bank transfer from your account to the e-cash merchant's account. There are NO purchase rejections if your bank account is sufficiently funded. This service is available to U.S. residents only.
Through ACH, you can purchase or redeem fund shares by automatically debiting or crediting your checking account.
It may take two business days for ACH to debit or credit your checking account. Make sure that your bank is a member of ACH. Most banks don't charge fees for ACH transactions.