US ACH Transactions Record Strong Growth

The US ACH Network processed 21.5 billion transactions valued at more than US$46.8 trillion in 2017, representing increases of 5.7% and 6.9%, respectively, over 2016, according to data released by Nacha - The Electronic Payments Association. It is the third year in a row that the number of new ACH transactions increased by more than one billion, and the ACH Network’s growth rate for 2017 is the highest since 2008.

In 2017, nine billion ACH credit transactions had a total value of more than US$30 trillion and the more than 12 billion debit transactions had a total value of more than US$16 trillion. All told, the value of ACH Network transactions was more than double the US GDP and the volume is more than 66 times the number of people in the US.

Other ACH statistics for 2017 include:

  • A 5.6% increase in business-to-business transactions (3.3 billion transactions)
  • A 5.8% increase in payroll and other consumer Direct Deposit transactions (6.5 billion transactions)
  • A 13.1% increase in internet transactions (5.2 billion transactions)
  • A 23.3% increase in person-to-person transactions (97 million)
  • A 478% increase in Same Day ACH transactions (75 million)


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