YUP That's why with any payee over a few $hundred, I first send a tiny test ACH transfer and get them to tell me that it worked and how much. It'll take hundr

YUP That's why with any payee over a few $hundred, I first send a tiny test ACH transfer and get them to tell me that it worked and how much. It'll take hundreds of those extra efforts to outweigh just sending one big payment astray. Also, since there are now so many scams with advance payment, if by surprise some large check or pmt lands in my acct, I'm definitely NOT sending it back with any speed, IDK what kind of pitiful story they tell. I'll transfer it to a new interest-bearing acct (possibly by cash w/security guard), then hold it pending full identification of source, actual error, and the outcome of any investigation. I'll hold onto it both because it may be an error that would be right to return, and because I don't want to get caught out having to return something I already spent, but the presumption that I'll just send it straight back is no longer valid.