Apartments partners with a bank. Bank creates files every night following the standards and rules of NACHA. They submit those files which are processed. ACH

Apartments partners with a bank. Bank creates files every night following the standards and rules of NACHA. They submit those files which are processed. ACH is bank to bank. You can’t access the network if you aren’t a bank. End of the day it is moving at the fed level since every bank has an account with the fed. Banks enforce the rule because they are on the hook on claw backs.