The Update Urgency:
Why banks should prioritize modernizing their ACH systems
Outdated systems. Rising customer expectations. New compliance standards. This exclusive white paper from Volante Technologies and Banking Dive explores why modernizing ACH platforms is no longer optional—and how a phased approach can unlock growth, speed, and resilience.
ACH payments may be a foundational rail—but that doesn’t mean your infrastructure should stay stuck in the past. Download The Update Urgency to learn how to modernize your ACH systems with confidence and flexibility, starting today.
Legacy ACH systems are reaching their limits
ACH remains the backbone of U.S. business banking—but aging infrastructure is failing to keep up with the demands of real-time operations, ISO 20022 adoption, and digital-first customers. In fact, 62% of banks have already begun modernizing their ACH systems, and another 45% plan to do so within the next two years.
From manual exception handling to rigid configurations and limited scalability, legacy ACH platforms are slowing down operations and frustrating customers. This white paper lays out a roadmap for transitioning to modern ACH infrastructure—without ripping and replacing your entire system.
The case for ACH modernization by the numbers
of bank executives say they’ve modernized or are in the process of modernizing their ACH systems.
plan to modernize their ACH systems within the next two years.
growth in ACH payment volume in Q1 2025, with same-day ACH growing by 19%.
of banks cite outdated ACH systems as a barrier to growth, flexibility, and customer satisfaction.
“Modernizing ACH systems is no longer optional — it’s essential… To succeed in an environment shaped by evolving customer expectations, regulatory demands, and increasing competition, banks must embrace resilient, scalable ACH solutions.”
– Bhaskar Banerjee, Principal Director, Accenture
Related resources
Navigating ACH rule changes and compliance for 2025
Wire transfers vs. ACH: Why banks shouldn’t choose just one
Case studies
Case study: modern U.S. ACH solution for leading investment bank