If you want to add a financial institution that offers free ACH transfers to personal account holders or want to correct information on this list, please post in this thread. Thanks! Markber The FIs are sorted based on "customer-friendliness" of their ACH transfers.

Banks
• USAA - free online incoming and outgoing, convenient interface, long approval
• E*TRADE - free online incoming and outgoing, convenient interface, , fast approval
• Farm Bureau Bank - free online incoming and outgoing transfers, convenient interface, fast approval
• ING Direct - free online incoming and outgoing, savings accounts only, ING Direct resource page
• Virtual Bank - free online incoming and outgoing, eMoney Market accounts only?, then internal transfers to checking, Virtual Bank resource page
• Union Bank of California - free unlimited incoming and outgoing
• First Internet Bank of Indiana - free online incoming, $5 per online outgoing, convenient interface, First IB resource page
• Ascencia bank - free online incoming and outgoing , convenient interface
• PCBanker - free online incoming, no outgoing, convenient interface, PCBanker resource page
• Nexity Bank - free online incoming, no outgoing, inconvenient interface
• Netbank - free online incoming from banks on Netbank/Teknowledge aggregation list, $5000 per transfer limit
• TheBancorp - free incoming by fax or mail, no outgoing?
• TDWaterhouse - free online incoming transfers to TDWaterhouse brokerage and, then, to TDWaterhouse bank account, no outgoing?

Unknown terms
• GMAC Bank - online
• Lehman Bank - online
• Schwab bank - online outgoing transfers only
• Thrivent Financial Bank - online incoming and outgoing
• Ohio Savings Bank - (Provider: Cashedge)
• New Millennium Bank
• Western Financial Bank - incoming only?
• Bank of America - not in all states

Credit unions
• Meadows Credit Union - free online incoming, one free online outgoing per category per month, then pay a fee (see Meadows CU fee schedule for more info)
• Digital Credit Union - free online incoming, $2 per online outgoing, Cashedge interface

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Definitions:
• ACH (Automated clearing house) The networks used as a means to transfer money electronically between accounts at different institutions, usually in one day (from MetLife Bank glossary)
• Convenient ACH interface is an online interface that allows customers to do ACH transfers online without entering ABA and account numbers for external bank every time a transfer is initiated.