Scenarios

The following scenario is depicted in the ACH Contested Dishonored Return Entry example.

The dishonored return entry is received by WXY Bank. It disputes the fact that the original return was untimely. The return had to be made available to the ODFI by the opening of business on June 28 in order to be considered timely. WXY Bank transmitted the return on June 27, but due to hardware problems at the Receiving ACH Operator, the return was not settled until June 29. Thus, XYZ Trust, the originator of the dishonored return, considers the return to be untimely.