Aspire USD Checking Account, issued by Column N.A., allows you to make local USD transfers via ACH and Domestic Wire. This guide covers everything you need to know to send local transfers smoothly.
Supported Transfer Types, Fees, Limits & Timeframe
You can send local transfers using the following methods:
Transfer Type | Supported Currencies | Transfer Limit | Settlement Timeframe | Fee |
ACH - Standard | USD | USD 1 M | By 5:30 AM PT on the next business day (if submitted before 5:30 PM PT). | $0 |
ACH - Same day | USD | USD 1 M | Same-day settlement if submitted before 1:30 PM PT. | $0 |
Domestic Wire | USD | No Transfer Limit | Same-day settlement if submitted before 3:45 PM PT. | $0 |
Notes:
PT refers to Pacific Time, the time zone for the West Coast of the United States:
GMT-8 during Standard Time.
GMT-7 during Daylight Saving Time.
ACH Credit - Same day: Transfers submitted after 1:30 PM PT will follow the standard ACH processing time.
All transfers are processed on business days only (Monday to Friday, excluding public holidays). Transfers submitted on weekends or after the daily cutoff will be processed on the next business day.
How to send local transfers from the Aspire USD Account
Sending via ACH Credit (Standard or Same Day)
On your Aspire dashboard, click "Make a transfer" under the Frequently Used Actions.
Select "Pay a recipient".
Select an existing recipient or create a new one:
Recipient currency: Select USD.
Account holder's full name
Transfer mode: Select ACH
Country: Select United States
Recipient type: Select Individual or Company
Routing number
Account number
Click "Continue".
Enter the transfer amount and select the transfer type:
Standard transfer: Funds are settled by 5:30 AM PT on the next business day.
Same-day transfer: If submitted before 1:30 PM PT, funds are settled on the same day of transfer.
Click "Continue".
Complete the additional transfer details:
Payment Reference (Optional)
Choose a category (Mandatory)
Link the transaction to a budget (Optional)
Other reporting fields (if any)
Click "Continue".
Once you have reviewed your payment details and are satisfied with them, click the "Confirm" button.
Sending via Domestic Wire
On your Aspire dashboard, click "Make a transfer" under the Frequently Used Actions.
Select "Pay a recipient".
Select an existing recipient or create a new one:
Recipient currency: Select USD.
Account holder's full name
Transfer mode: Select Wire
Country: Select United States
Recipient type: Select Individual or Company
Routing number
Account number
Address Line 1
Address Line 2
City
State
Postal Code
Click "Continue".
Enter the transfer amount
Click "Continue".
Complete the additional transfer details:
Payment Reference (Optional)
Choose a category (Mandatory)
Link the transaction to a budget (Optional)
Other reporting fields (if any)
Click "Continue".
Once you have reviewed your payment details and are satisfied with them, click the "Confirm" button.
What name will be displayed as the sender of the transfer?
The recipient will see your business name as the sender for both ACH and Domestic Wire transfers.
Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.