ACH, Wire Transfer & Real-Time Payments

Automated Clearing House (ACH)

The Automated Clearing House (ACH)1, a nationwide network, gives you an electronic payment method that enables you to initiate debits and credits in a variety of consumer and commercial payment types. With this robust solution you maintain control of your funds until you decide payment should be made, and there’s never a need to write, process and reconcile checks. 

Features include:

  • Electronic processing to eliminate preparation and storage costs of paper
  • Automated returns resulting in faster, more accurate representment/collection
  • Distribution of remittance information and automating and simplifying reconcilement
  • Information in standard format, improving consistency and machine readability of data
  • Tiered security structure to provide data security
  • ACH cross-border transfers to Canada
  • Same-Day ACH processing

ACH Transactions can be initiated in many ways:

  • Comerica Treasury Payments®
  • Comerica Integrated Payables Web™
  • Comerica Integrated Payables™ secure file transfer products
  • Direct transmission

Wire Transfer

​​​​​​Wire transfers are a way to achieve immediate availability of funds and same-day settlement (for most wire payments). 

Wire transfers can be initiated in several ways:

  • Online and electronic methods include Comerica Treasury Payments®, Comerica Integrated Payables WebTM, or Comerica Integrated PayablesTM secure file transfer products.
  • By phone using our IVR and secure PIN
  • In person at a local banking center

Wire transfers through Comerica Treasury Payments® also give you the ability to:

  • Set up alerts for easy notification
  • Initiate wire transfers online from your computer for convenience
  • Set up dual approval for additional security
  • Create templates and schedule recurring payments for wire transfers done repetitively
  • Initiate domestic, drawdown and international wires

Real-Time Payments

The RTP® network is a new payment infrastructure in the U.S. that enables consumers and businesses to send and receive immediate domestic funds transfers between accounts at financial institutions 24/7 up to $100,000.

RTP payments settle within seconds, including weekends and bank holidays.  Like wire transfers, RTP payments deliver immediate funds availability and cannot be reversed without the receivers consent.

In addition, senders and receivers can exchange messages through the RTP network requesting and providing information about a payment, acknowledging a payment received and more.  Real-Time payments are supported through Comerica Treasury Payments for both sending and receiving payments and their associated messages.

RTP is a registered mark of The Clearing House Payments Company L.L.C., not affiliated with Comerica Bank.

1 The Automated Clearing House and Nacha are not affiliated with Comerica Bank.