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ACH Routing Numbers are used businesses who want to collect funds and make payments electronically collections, federal and state tax payments etc. It is used for domestic or international transactions in which bank name and account number is involved, but the account balance is directly debited electronically and the funds are transferred to another account in real.
Banks offer ACH services for for direct deposit of payroll, dividends, annuities, monthly payments and in batches through the national ACH network.
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