An ACH transaction does not happen instantly It can take several days for the receiving bank to reconcile and settle the transaction. In the meantime, your bank places a hold on the funds in your account so that the money will be available for settlement..Make Christmas magic with a personalized video message from Santa! Choose from free and premium videos that are personalized to the nice and even the naughty..Turned out to be Point Pay the billing service for our community utility department. There is an added charge for this service which was the discrepancy between the utility bill and the bank statement, but turns out to be legit..Point and Pay is a payment company that specializes in government and education payments. Any time you make a utility, tax, court, permit etc payment, you may be using our service..
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