OK - can use some verification or input on my experience here.
Just did an ACH transfer to Andrews for $100K from ALLY. Later, I saw a post that talked about Andrews had a limit of $5K daily, $25K monthly. Mine went through just fine.
FYI - here's some comments on what I am finding out about ACH.
ACH is a transfer that can be overnight, or may take several days. Different at each originating and receiving organizations. Of course, to initially set up ACH using external accounts, it normally takes several days because they want to do some small TEST transactions to make sure the information is correct before releasing the ACH relationship as valid in their system. ALSO - most places the ACH transaction is at no charge. BUT there may be a charge at others.
NOW - here's what I really did know until recently. Many institutions (like Bank of America) have ACH limits set up differently. They have a limit if you use the ACH at BAC (and different limit amounts for going out verses coming in using the ACH platform). NOW, I am also seeing that there may be a third limit, which I think may be unlimited. That is using another banks or credit union's ACH platform, there may be no limit on the amount that they will accept coming in.
That is why at Andrews, they talk about the $5K limit daily (and limits monthly), but I believe that is true relative to using the ACH at Andrews. If the money has been transferred from another institution (like ALLY or Bank of America), then they do not care.
Let me know of your understanding if this correct, or not, Can help us all in transferring money to avoid lengthy check holds. FYI - ALLY has high ACH limits. Most places do have have smaller daily limits like $5-$25K, so knowing where you can do large ACH transfers is important.