I haven't seen any insurance products that thrive on the risk that ODFI takes, but the ODFI does minimize their risk by requiring the originator to keep a colla

I haven't seen any insurance products that thrive on the risk that ODFI takes, but the ODFI does minimize their risk by requiring the originator to keep a collateral account to which they'll take money from should they incur any kind of loss. The ODFI does place daily (soft) limits on the originator, and the amount of collateral you have to put up is proportional to your daily limit. It definitely varies from bank to bank and is a largely of a factor of how much your bank trusts you and your past ACH history with them.