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ACH Payments Exceeded 35 Billion in 2025

  • Writer: Roy Urrico
    Roy Urrico
  • Mar 6
  • 2 min read

By Roy Urrico

There were 35.2 billion ACH Network payments made in 2025, valued at $93 trillion, according to Reston, Va.-based Nacha, which governs the ACH Network. Among originating financial institutions, the Top 50 handled ACH volume of 30.7 billion payments last year, up 4.7% from 2024. They accounted for 91.4% of the ACH Network’s total commercial payments volume.


The Top 50 receiving institutions had ACH payment volume of 23 billion, an increase of 6.4% over 2024. These institutions accounted for 65.1% of total volume on the ACH Network, inclusive of payments received from the federal government.


One credit union cracked the list of Top 50 ACH Originators and seven CUs were in the Top 50 of ACH Receivers.


Michael Herd, Nacha EVP, ACH Network Administration.
Michael Herd, Nacha EVP, ACH Network Administration.

“Financial institutions are the foundation of securely sending and receiving ACH payments on behalf of people and organizations,” said Michael Herd, Nacha EVP, ACH Network Administration. “From direct deposits that make payday dependable, to bills and vendor payments that are made on time, to account transfers for savings and financial management, and hundreds of other uses, the ACH Network is at the heart of the U.S. payments system.”


Nacha also reported 6.9 billion “off-Network” ACH payments last year. Those are primarily “on-us” ACH payments for which the originating and receiving financial institution are the same, and therefore not submitted to an ACH Operator. Including these off-Network payments, total ACH payment volume for 2025 was 42.1 billion, up 4.6% over 2024.


2025 Top ACH Originators by Volume


Largest financial institution originators of ACH payments:


  1. Wells Fargo & Company, San Francisco - 8,715,431,576

  2. J.P. Morgan Chase & Co., New York - 6,748,776,575

  3. Bank of America Corporation, Charlotte, N.C. - 3,410,442,418

  4. Citigroup, Inc., New York - 1,473,793,253

  5. Capital One Financial Corporation, McLean, Va. - 1,334,891,334


38. Veridian Credit Union, Waterloo, Iowa ($8.6 billion; 368,700 members) - 77,433,811


2025 Top ACH Receivers by Volume


Largest financial institution receivers of ACH payments:


  1. Bank of America Corporation, Charlotte, N.C. - 4,052,692,045

  2. J.P. Morgan Chase & Co., New York - 3,870,744,744

  3. Wells Fargo & Company, San Francisco - 3,074,148,790

  4. PNC Financial Services Group, Pittsburgh - 1,153,542,599

  5. U.S. Bancorp, Minneapolis - 998,904,373


8. Navy Federal Credit Union, Vienna, Va. ($197.2 billion; 15.1 million members) - 722,312,517

31. Boeing Employees' Credit Union, Tukwila, Wash. ($29.4 billion; 1.6 million members) - 93,469,413

34. America First Credit Union, Ogden, Utah ($23.8 billion; 1.6 million members) - 80,423,010

35. SchoolsFirst Federal Credit Union, Santa Ana, Calif. ($35.4 billion; 1.6 million members) - 80,081,068

42. Mountain America Credit Union, Sandy, Utah (21.9 billion; 1.4 million members) - 70,999,388

44. Suncoast Credit Union, Tampa, Fla. ($19.7 billion; 1.4 million members) - 64,347,357

46. Randolph-Brooks Federal Credit Union, Live Oak, TX ($19.2 billion; 1.1 million members - 63,079,254

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