ECC and ACH

Topic 1 ) Write about the Electronic Cheques Clearing System (ECC) write it in a language that is directed to the readers even readers that do not have a financial background that they would be able to understand explain it in a nice way also mention the benefits for banks using this system and for customers using this system.

2nd topic for the second page: Automated Clearing House System (ACH) do the same thing explain what it is to make readers understand even if they do not have a financial background you can use investopdedia.com but do not copy anything