Payments & Banking

ACH Return

A failed or reversed ACH payment, commonly due to insufficient funds or a closed account.

Last updated September 7, 2026

An ACH return occurs when a bank transfer can't complete – most often from insufficient funds (the ACH equivalent of a bounced check), a closed account, or incorrect account details. The payment is reversed and may carry a return fee. Returns are why an ACH payment can take a few business days to be considered final.

Related terms

ACH (Automated Clearing House)

A US bank-to-bank electronic transfer network, used for low-cost direct payments from a member's checking account.

Settlement

The transfer of collected funds into the chapter's bank account after payments are processed.

Delinquent Account

A member account that is significantly overdue on payment.

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