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Originally Posted by TheDoc International can send ACH to an American bank, I just got one a few days back. I don't see why I couldn't send back if they could send to me.

Never heard of this but it is encouraging.

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Originally Posted by ajrocks Americans write personal checks when they are shopping. I've been in line to by groceries and have to wait 30 extra minutes because everyone in front of me is paying by check. Its fuckin crazy! Stores would never take a personal check in Canada!

Most stores use Telecredit, they insure check payment to stores for like 3% to 5% of the amount. I see people using debit cards now most of the time.

It is free to receive ACH payments in the USA at my bank. To send out ACH is a small fee .30 or so.

Problem is the bank must allow you to be an ACH sender. ACH is a debit/credit transaction. You can take out payments also, e.g., the electric co or your credit cards. (Taking the payment amount due.) So, there is some security risk. One bank I use wanted $40 a month to list what I would allow ($480.00/yr).

I self-insure, I have only one account that I use for ACH receipts and keep a balance of around $500 -$1,500 in it so there are no checking account fees and any risk I have is limited to THAT account's balance.