Equitable Savings & Loan offers both wire transfer and ACH (Automated Clearing House) services, so you can choose the method that fits your needs. Wire transfers are ideal when you need to move money quickly — for example, for large or time-sensitive payments — because funds are transmitted directly from bank to bank, often the same business day. ACH transfers are a cost-effective option for routine banking tasks like bill payments, direct deposits, or regular transfers between accounts. ACH tends to be slower than wires (typically 1–3 business days), but is often free or low-cost and perfectly suited for everyday transactions.