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The good news is that for personal accounts you should have 60 days to recover. Although if someone drained your account and you have to wait to pay rent, that might not be so comforting.

Businesses I believe only get one day. This ACH fraud is crazy that it exist. My landlord gives me his account number to pay rent. The routing number is trivial to google but, lucky for him, I'm not a thief.




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