How well did this article answer your question?
How do the Transfer features work?
SunTrust processes Electronic Transfer Funds via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions. SunTrust submits a request to the ACH network to transfer funds between the accounts you have specified. ACH then uses its secure channels to complete the transaction. This procedure is very similar to the process employers use to create direct deposit of payroll and financial institutions use to carry out automated payments for loans or mortgages.