Skip to content

ACH Debit Policy to Prevent ACH/NSF Fees

Answered by: 

Question: 
Are financial institutions allowed to implement an ACH debit policy that limits the number of ACH debits once the account has gone negative, in an effort to prevent substantial ACH NSF fees and potential losses?
Answer: 

Are financial institutions allowed to implement an ACH debit policy that limits the number of ACH debits once the account has gone negative.

Sure. Once the account goes negative, you return them all NSF. If you mean restricting future ACH transactions even if the account goes back positive, I would be just closing the accounts.

First published on 08/26/2018

Filed under: 
Filed under compliance as: 

Search Topics