> they are left holding the bag for the stolen money and likely lose access to ACH themselves, which would hurt their business. This is the key part. If they'r

> they are left holding the bag for the stolen money and likely lose access to ACH themselves, which would hurt their business. This is the key part. If they're originating the ACH (i.e. pulling funds from your account) and a return is issued then apartments.com are liable for sending those funds back.