The answer is different for opening funds and closing funds. Funds to Open Escrow: Escrow holders accept personal checks, cashier’s checks, or wire transfers for opening funds; ACH transfers or cash are not accepted. Opening funds generally have enough time for funds to clear, so escrow holders can accept a wider variety of funding. Funds to Close Escrow: Escrow holders require all closing funds to be wired. By law, they will not accept other payment methods such as personal checks, cashier’s check, ACH transfers, electronic checks, or cash. Escrow holders are under tight deadlines to close and have no time to spare for funds to clear.