Real Treasury Wire vs. ACH Break-Even Calculator

In low priority situations, sending ACH payments is always less expensive than wires and more secure than checks.

When concentrating cash within your own account structure, you should think about it differently. If you utilize a wire, you can invest or repay debt one day sooner than you can with an ACH.

The calculator below the provides the tipping point of sending an ACH or a wire with your fee structure.

If the amount you are transferring is less than the tipping point (calculated below), an ACH is more cost effective and if its greater, a wire transfer is better.