Most banks I know of provide these customers with NACHA rule books or updates or provide some type of link to them through the site. As I recall, this first came to our attention when we were completing our annual self assessment a number of years back. It was one of the questions in the workbook. There was a reference to the cite, but I can't remember it now.
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Life without Jesus is like an unsharpened pencil - it has no point.