ACH
- automated clearing house

RDFI - deposit
- receiving depository financial institution 

w/in 60 days

*WSUD - written statement of unauthorized debit
- 10 bd/ 20 bd

*R10 
- in retool

* blocking the routing number 
- in savana

* final letter


past 60 days

*POA (proof of authorization)

*four walls

ODFI - credit
- conduct 4 walls 
- if no evidence to deny, approve pvc
- if past 60 days no wsud