Can You Send an ACH Transfer from the U.S. to Canada? No.

ACH (Automated Clearing House) is a U.S.-only network. It cannot send funds directly to Canadian bank accounts.

Alternatives for US → Canada Transfers

• Wire transfer (SWIFT): Bank-to-bank; fees $25–$50; 1–3 business days.
• Money transfer services: Wise, Remitly, OFX, Western Union, MoneyGram—often cheaper, faster, better FX rates.
• Cross-border banking: Some US banks (e.g., Chase, TD, RBC) offer integrated US/CA accounts with free/cheap transfers.
• Interac e-Transfer (receive only): Canadian recipient can request funds from a US sender via partner services.

Compare total cost (fees + exchange rate markup) before choosing. For recurring payments, a cross-border banking setup may be cheapest.