An ACH Payment is an electronic payment that you setup using your debit card, or routing and checking number. For example, when you pay your utility bill on their website, that payment is an ACH Payment.

A recurring ACH payment is an electronic payment that you setup using your debit card or routing and checking number to pay a specific amount on a set schedule, e.g. monthly or weekly.

An Online Banking Bill Payment is a payment that you send to anyone from M&T Mobile and Online Banking.