YYour Bancoli Free account can support ACH push transfers for receiving and sending USD on the domestic US payment system when that capability is available for your account. This means eligible clients can send you US domestic ACH transfers by entering the account details shown in your Bancoli dashboard, and you may be able to send USD on the ACH network from Bancoli.
Bancoli Free accounts do not support ACH Debit (also called ACH pull). ACH Debit means pulling funds from another bank account using that bank account's details. Free accounts do not let you initiate an outbound ACH pull from an external bank account.
What Free accounts may support
Availability depends on your account type, plan, location, verification status, and route approval. In general:
ACH push receive and send may be available for eligible Free accounts when shown in your dashboard.
Inbound ACH Debit via invoices: By issuing an invoice from Bancoli, your clients may pay using their bank account details where that payment method is offered.
Bancoli network payments: You can invite business partners to Bancoli and make simplified payments between Bancoli accounts where available.
Wires and higher-plan rails
Named domestic wires (Fedwire), international wires (SWIFT), and additional local rails are plan- and route-dependent. Upgrading to Plus or above may unlock additional capabilities where provider and compliance checks pass. Always use the payment methods and account details shown in your Bancoli account—do not rely on third-party copies of routing numbers or bank addresses.
USD account details and USDi
When named USD account details are available for your account, they appear in your Bancoli dashboard. When funds settle to supported named account details, the corresponding USD value is converted 1:1 to USDi (USD International), Bancoli's platform stablecoin, and delivered to your self-custodial wallet where that flow is enabled for your account. USDi is issued in collaboration with Brale Inc. and is designed to be backed 1:1.
If you do not see ACH or account-detail options, your account may not be eligible for that rail yet. Contact Bancoli Support if you need help reviewing eligibility.