These should be underwritten as if granting credit, i.e., full financial analysis, etc. For example, if they are originating debits, they can come back for 60 days. If they originate $500,000 in debits a month, you may have a total exposure of $1mm. You would want to be sure you would loan them that money if they approached you and asked for a $1mm loan. That's a simplistic explanation. Make sure you get appropriate corporate resolutions also. Some standard corporate resolutions may not authorize ACH activities.
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