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One of the simplest ways to elucidate the similarities and differences of ACH, EFT and eCheck is that an eCheck is a sort of digital funds switch (EFT) that uses the Automated Clearing House (ACH) network to course of the payment. The cash is electronically withdrawn from the payer’s account, despatched via the ACH network to the payee’s banking establishment, after which electronically deposited into the payee’s account – just like a paper check, simply electronically.