The Cross River Bank ACH Connect API is a RESTful service that allows ACH transactions to be submitted and received, without the use of a full NACHA file. ACH Connect exposes API endpoints via HTTPS utilizing POST and GET for retrieving and managing authorizations, transactions, and events, plus more. ACH Connect API conforms to the OAuth 2.0 specification. ACH stands for Automatic Clearing House. Cross River provides financial services that merge the expertise of a bank, with the innovation of a technology company, and enables clients to deliver responsible financial solutions.