Apple Wallet Payments
How do I send money using my bank account instead of a debit card?
iPhone XS, 16
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Apple Cash will let you transfer money to other Apple users using either a debit card or your Apple Cash balance. It doesn’t let you transfer money from a bank account using the routing and account number (ACH).
You can add your ACH info for transferring from Apple Cash to an external account, though (for withdrawing money from Apple Cash back to your own bank account).
These articles might be helpful:
Send and receive money with Apple Cash - Apple Support
Add money to Apple Cash - Apple Support