AVCARD customers who wish to eliminate the need for paper checks for AVCARD have 3 Electronic Funds Transfer (EFT) options:

• Federal Reserve Wire Transfers (Fed Wire)
  The Fed Wire is initiated by the customer through its bank. The customer provides the bank with AVCARD's banking information for a Fed Wire
  

• Automated Clearing House (ACH) Credit
  The customer initiates an ACH credit transaction through its bank. The customer provides its bank with AVCARD's banking information in an ACH file
  

• Automated Clearing House (ACH) Debit
  The customer and AVCARD enter into an agreement whereby AVCARD is authorized to initiate an ACH debit to the customer's account, transferring the funds to AVCARD in payment of an invoice. AVCARD will initiate this ACH debit only upon the written approval (fax, email, or online form) of the customer for each invoice.