TLDR: if you notice an unauthorized ACH charge, call your bank and dispute it ASAP! Time matters. The scary thing about ACH is that your total possible exposur

TLDR: if you notice an unauthorized ACH charge, call your bank and dispute it ASAP! Time matters. The scary thing about ACH is that your total possible exposure is not limited to the money in your account. Coinbase could do a $10,000 charge via ACH and in many cases even if you only had $100, the charge would go through. HERE’S WHAT YOU CAN DO: for unauthorized ACH charges, every minute matters. If you call your bank and report the charge within 12-24 hours, you’re likely to have the charge reversed fairly quickly. However, if it’s been more than 3-4 days since the charge, disputing and getting resolution to an ACH charge becomes more laborious and time-consuming.