What is the difference between ACH and Lighting Speed?

The difference between ACH and Lighting Speed is how fast you get your transfers. ACH, also referred to as the standard speed, sends the transfers to your checking account usually within 1 to 2 business days. Lighting Speed should be instant, meaning same day and within minutes.

Helpful hints

  1. ACH is a banking term that stands for Automated Clearing House. Click here to learn more.
  2. Lighting Speed is an Earnin term used to describe how fast a cash out will get to our community member's checking account. Learn more about Lightning Speed here.
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