Payments
Send and receive ACH transfers — the backbone of U.S. payments. Set up direct deposits, pay vendors, and move money between accounts with low fees and reliable settlement.
Open an Account$0
Incoming ACH
$0.50
Outgoing ACH
1–3
Business Days
Same-Day
Available
ACH Debit
Link an external bank account and pull funds into your Nano Checking account. Useful for initial funding, recurring deposits, and consolidating balances.
ACH Credit
Send money from your Nano Checking account to any U.S. bank account. Ideal for vendor payments, payroll, and regular transfers.
Processing Speed Comparison
With Nano's Same-Day ACH option, your transfers can settle in as little as 4 hours — dramatically faster than standard ACH or paper checks, and at a fraction of the cost of wire transfers.
Set up direct deposit to receive your paycheck, tax refunds, or government benefits directly into your Nano Checking account. Funds are available on the scheduled deposit date.
Share your Nano routing number and account number with your employer or payer. You can find these in your dashboard under Account Details.
Your Account Details
Routing Number
••••••7890
Account Number
••••••••4321
Bank Name
Column N.A.
Available with every Nano Checking account. No additional setup required.
Customer Stories
Pacifica Trading Co.· Import / ExportPacifica Trading moves goods between West Africa, Southeast Asia, and the US. By routing supplier payments through Nano Wallet's USDC rails, they cut international payment costs by 74% and eliminated the 'payment black hole' of correspondent banking.
Salt & Vine Restaurant Group· Food & HospitalitySalt & Vine operates 12 restaurants across Texas and Colorado. They consolidated 6 separate bank accounts into Nano Wallet, cutting monthly banking fees by $4,200 and reducing payroll processing time by 70%.
