ACH push vs wire for same day, found a $12 way to skip the wait

I was stuck waiting on a vendor payment that kept getting held for 2 days through standard ACH. Looked into same day wire options from Chase, they wanted $35, but my credit union in Austin offers a same day ACH push for only $12 if you submit before 1:30 PM. Problem was the vendor listed only wire details, so I called their AP line and they gave me a routing number for ACH. It landed in 4 hours, should I just ask every vendor for ACH info now or is that a bad look?

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wood.faith24d ago

My credit union does the same thing, $12 before noon. I've asked vendors for ACH details for about two years now. Some say no because their system is set up for wires only, but most will just give you the info if you're polite and say you're trying to speed up payment. Make sure you ask for the exact routing number, not the one on the invoice, because a lot of them just copy paste wire numbers without thinking. That mistake cost me a 3 day reversal once. It's not a bad look at all, just say you're trying to avoid fees and they usually respect that.