ACH is not considered point of sale and would fall under the 45-day schedule.
Also, a debit card charge can only hit a checking account as a point of sale or ATM withdrawal. That being said, some merchants such as Target are now offering a product known as a "decoupled debit card." The customer gives the merchant their checking account number and purchases on that card are presented as ACH. If the customer wishes to dispute a decoupled debit card purchase they would contact the card issuer, which in that case, is not the bank.
If they completed a written statement of unauthorized debit on an ACH for one of these transactions, the card issuer could come back to you and show that the customer authorized them to make ACH withdrawals for purchases on that card.
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