We received a request to return an ACH credit received for a charged-off account holder. The funds came in for the primary account holder, but the account was closed(charged off for $240) back in February. Are we not entitled to the funds owed to us and reopen the account to post the remainder funds?
I'm certain this was an error and the accoutn holder did not notify her employer in sufficient time to change the direct deposit.
Are their NACHA rules that state we have to return if the funds came into the appropriate account number and name?

Are we not entitled to the funds owed to us and reopen the account to post the remainder funds?

No, you are not.

you don't have an appropriate account number and name to post to as you had closed the account, funds need to be returned