Balanced uses the same tokenization and vaulting for bank accounts as for cards so there's no way to pull the unencrypted data via the API. Could someone grab

Balanced uses the same tokenization and vaulting for bank accounts as for cards so there's no way to pull the unencrypted data via the API. Could someone grab the tokens and charge the bank accounts? Absolutely, the same as with any payment processor. From the Wikipedia page on ACH "the consumer has 60 days upon notification to dispute a transaction in his statement" - http://en.wikipedia.org/wiki/Automated_Clearing_House http://en.wikipedia.org/wiki/Automated_Clearing_House (not that I've personally tried this)