Originally Posted by Happy

That is the KEY, and ACH is totally 100% traceable because they all go thru a central clearing house (google what ACH stands for) between banks. There is no human being needed to identify the payment as long as you have set it up with the correct account information.

In the early days of BB, people reported numerous cases the payee sides had misplaced the checks because when they received such, often they had no clue who sent this and for what. So the clerks may put it aside waiting for further investigation which often is not the first task on hand... you get the picture.

With all these potential hazards, people still using manual checks are using such at their own risk especially now you have the pre-authorized check option.

And please, stop expecting BB functions like your regular bank for which it is NOT. If you want all those functions you take it for granted from your regular banks, please dont use BB, use your regular bank. Plain and simple - you cannot have your cake and eat it too. Use indirect payment mechanism as a poster suggests to avoid this type of headache.