---
title: Account transactions
slug: concepts/accounts/account-transactions
docTags: 
createdAt: 2026-05-12T12:16:29.485Z
---

## Transactions in Cross River accounts

Deposits, withdrawals and transfers can be understood as being part of a transaction. In the Cross River operating system (COS) a transaction always involves a debit of one account (withdrawal) and a credit of another account (deposit), completed as a single atomic (simple) operation. Both sides of the transaction must happen for it to be considered completed. If, for example, the debit account does not have enough money to cover the transaction, the credit operation will not complete.

This makes sure that accounts are never out of balance and makes tracking where the money is much easier.

Once you've opened an account, use our payment APIs to send and receive funds between banks via [ACH](docId:3tt7a4nY2fyVMzEEmFwUt), [Instant Payments](docId\:U_TnYPQ3-5yepG7jKD5FK), [Wires](docId\:hFNmQa22W2BNqAJijpAVT), [International payments](docId:3EvRgfMqC_15mbLV_j3cp) or [Checks](docId:8MxnUqiHsMPE6vHWQex5u). You can also use Instant Payments to transfer funds within Cross River, with our [CRNow](docId\:mPks1l2ft2PP32yFuDJYW)  option.