There are many ACH transaction types (called: SEC cods). The post I wrote generally applies to PPD SEC codes, which are generally used when debiting a consumer

There are many ACH transaction types (called: SEC cods). The post I wrote generally applies to PPD SEC codes, which are generally used when debiting a consumer bank account. The 60-day rule applies to PPD SEC codes. There's another ACH SEC code called CCD, which can be used when debiting a corporate bank account. For CCD codes, an 'unauthorized' return must be received within 48 hours, instead of the 60-days. Here's a full list of ACH SEC codes: http://en.wikipedia.org/wiki/Automated_Clearing_House http://en.wikipedia.org/wiki/Automated_Clearing_House