What is the 60 day rule for ACH?

This obligation applies if the request for a refund is received within a period of 60 days from the transaction date specified by the National Automated Clearing House Association (NACHA).

For businesses, however, the window for requesting a return is significantly narrower, limited to just 2 days from the transaction date.

This disparity in refund policies highlights the importance of vigilance for both customers and businesses when dealing with ACH transactions.

According to the regulations set forth by the Automated Clearing House (ACH), banks are mandated to refund any unauthorized debits to customers' accounts without hesitation.

Customers can rest assured that if they detect any unauthorized debits within 60 days, their bank will refund the amount without further ado.