What is the name of the electronic funds transfer (EFT) system governed by the United States and designed to provide the clearing of electronic payments between banks?

What is the name of the electronic funds transfer (EFT) system governed by the United States and designed to provide the clearing of electronic payments between banks?

A.
The Originating Depository Financial Institution (ODFI)

B.
The Receiving Depository Financial Institution (RDFI)

C.
The National Clearing House (NCH) network

D.
The Automated Clearing House (ACH) network