Welcome to ECACH EFT: The Easier Way to Make & Receive Payments!



The Eastern Caribbean Central Bank (ECCB) jointly with the commercial banks within the Eastern Caribbean Currency Union (ECCU) established the Eastern Caribbean Automated Clearing House (ECACH). The objective was to transform traditional paper based payment systems into an electronic payment system, in two phases. Phase 1 dealt with cheque imaging and was launched in March 2015.


Phase 2 is the Electronic Funds Transfer (EFT) – a secure and private electronic payment system, which allows for the transfer of funds between all commercial banks in the participating territories. Good news for businesses!


What is included?

Electronic Payments include single and multiple deposits such as Salaries, Supplier Payments, Dividend Payments, Pension Payments, Insurance Settlements and Cash Management. Debit authorizations including utility payments and insurance payments. Loan and credit payments are not accepted at this time.



The new system allows for easier management of payments and cashflow, and as a valued corporate customer, you can expect to benefit from:  

  • Enhanced security, convenience and quicker access to funds  
  • Improved efficiency and reduced processing time - elimination of labor-intensive manual processes
  • Reduced risk of loss and theft 
  • Increased employee satisfaction


What has changed?

Salary and payroll submissions, which were emailed or hand delivered previously, will now be required in CSV format with additional information as follows:


Required Information Additional Information Required (New)
Employee Name
Employee Account Number
Employee Account Type (DDA/SAV)
Bank Routing/Transit Number #000000369
Reference #
Effective Date
Previously Accepted Format(s): New Format:
Excel Spreadsheet
Printed Employee Listing
CSV format
Previous Requirements: New Requirements:
Lead time: minumum 2 business days
Effective date: Optional
File submission: FTP/email/cheque with listing
Process typs: Manual
Enrollment: Automatic with no documents
Lead time: minimum 1 business day
Effective date: Mandatory
File submission: Browser only
Process type: Electronic
Enrollment: Required with documents

What is the enrollment process?

Further Information


Glossary of Terms

How To Apply

Frequently Asked Questions

Contact Us for ECACH