I'm familiar w some issues here. At least in the past the traceability / status of funds from sender side was not really available. With ACH you can usually fi

I'm familiar w some issues here. At least in the past the traceability / status of funds from sender side was not really available. With ACH you can usually figure out who bank is and go from there. Return codes if money didn't credit. Checks same thing presenting bank and back of check. Wires same thing. Zelle they will say nothing. If someone says I didn't get the money - you have no cancelled check to point to even. Fraud detection is poor. TRX limits make it hard to use for some things def a stay away