When an ACH is declined, we notify you and the payer immediately by email and funds are swept out of the account they were deposited into the next business day.
You may request funds for declined ACH be swept out of your operating account, instead of your trust account.
You will still be charged the transaction fee on the original transaction. Let’s say the payer makes a payment of $1000. We collect $1003 and deposit $1000 into your account. If the transaction bounces, our system will debit your account for $1003 so you’ll be net-negative $3 on that transaction. Many of our clients turn around and ask their customer to pay an additional bounced check fee for the inconvenience.