The Clearing House

Overview

The Clearing House is the oldest banking association and payments company in the United States, established in 1853. It is owned by the largest commercial banks, which collectively hold more than half of all U.S. deposits. The organization operates as both a banking association and a payments infrastructure company, consisting of The Clearing House Association L.L.C. and The Clearing House Payments Company L.L.C.

Evolving from its origins in check clearing, the organization now processes nearly $2 trillion in payments daily. It operates critical payment systems such as electronic check clearing, a wholesale funds transfer system, and the RTP® network enabling real-time payments. As the sole private-sector operator of ACH and wire transfer systems in the U.S., it delivers secure and efficient services to its member banks and financial institutions. The Clearing House Association also advocates for its member banks in regulatory matters, supporting a competitive and safe banking environment.

Basic Information

Contact Details

• Phone: +1 800-875-2242
• Website: theclearinghouse.org
• LinkedIn: linkedin.com/company/the-clearing-house

Key Focus Areas & Initiatives

• Payments
• Advocacy
• Thought leadership
• Payment rules
• CHIPS
• Electronic transactions
• Payment system standards
• Digital payments
• Payment network
• Real-time payments
• Payment system development
• Payment system innovation
• Customer engagement
• Payment systems
• Payment system regulation
• Payment system API integration
• Cross-border ACH
• Payment system rulemaking
• Payment system solutions
• Interbank payments
• Payment system operations
• Payment system security protocols
• Payment system services
• Payment system modernization
• Bank payments
• Payment risk management
• Financial institutions
• Payment system rules
• ACH
• Wire transfers
• Payment efficiency
• Financial technology
• Payment system networks
• Payment industry
• RTP
• Electronic check exchange
• Payment system certification
• Payment system training
• Regulatory support
• Payment system efficiency
• Payment processing
• Payment clearing
• Payment system infrastructure
• Payment solutions
• Liquidity algorithm
• Payment modernization
• Industry advocacy
• Payment system frameworks
• Nacha rules
• Payment advocacy
• E-commerce
• Payment system customer support
• Payment system innovation projects
• Banking infrastructure
• Payment system architecture
• B2B
• Payment security
• Payment system security
• Services
• Payment system technology
• Instant payments
• Payment regulation
• Payment innovation
• Payment system policies
• Payment system governance
• Payment services
• Risk management
• Banking association
• Payment system oversight
• Payment system data analytics
• Payment system interoperability
• Payment infrastructure
• Payment system risk controls
• Payment technology
• Payment system collaboration
• Check 21
• Liquidity savings
• Payment system compliance
• Consulting
• TCH Token Service
• Financial transactions processing, reserve, and clearinghouse activities
• Payment system risk management
• Check image exchange
• UID lookup
• Payment system tokenization
• Banking
• Payment processor
• Payment compliance
• Payment system industry groups
• Payment system evolution
• Payment system algorithms
• Digital wallet security
• Payment system fraud prevention
• ACH risk monitoring
• Image exchange
• RTP network
• Token service
• Connected banking
• Bill pay
• Payments authority
• Industry leadership
• Corporate payments
• Compliance consulting
• Payments education
• Member support
• Payments systems
• EPN
• Cross-border payments
• Secure financial data
• Payment systems innovations
• Payment systems integration
• Payment channels
• Transaction processing
• Payments consulting
• Fraud prevention
• HAC compliance
• Credit and debit origination
• Professional certifications
• Payments accreditations
• Risk monitoring
• Banking solutions
• E-commerce transactions
• Payment policy
• Financial services technology
• Economic policy
• Fintech collaboration
• Payment networks
• Finance
• Education
• Distribution
• Transportation & logistics
• Finance technology
• Information technology & services
• Consumer internet
• Consumers
• Internet

Technologies Used

• AI
• Adyen
• Amazon SES
• Atlassian Cloud
• ExactTarget
• Microsoft Azure Hosting
• Microsoft Office 365
• Outlook
• Remote
• Route 53
• Salesforce

Affiliated Organizations & Regional Branches