What banks allow ACH transfers?

Could you elaborate on the various banks that permit Automated Clearing House (ACH) transfers? As a consumer interested in utilizing this convenient form of electronic payment, I'm curious to know which financial institutions offer this service. It would be helpful to know if these banks have nationwide coverage or if they're localized to specific regions. Additionally, I'd like to understand if there are any specific requirements or qualifications that need to be met in order to initiate ACH transfers with these banks. The ability to make and receive payments through ACH is crucial for my financial management, so I'm eager to learn more about the banks that support this feature.