ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers. Also known as “direct payments,” ACH payments are a way to transfer money from one bank account to another without using paper checks, credit card networks, wire transfers, or cash.
| Compare Cards |  People's CU Low-Rate |  Local Bank One |  Local Credit Union |  National Bank One |  National Bank Two |
|---|---|---|---|---|---|
| Lowest APR for Purchases | 7.99% | 8.99% | 8.99% | 9.99% | 12.99% |
| Lowest APR* for Balance Transfers | 7.99% | 9.99% | 9.99% | 10.99% | 13.99% |
| Lowest APR* for Cash Advances | 7.99% | 7.99% | 10.99% | 12.99% | 15.99% |
| Annual Fee | None | $25.00 | None | $12.00 | $99.00 |
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