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How is this decided?


Varies by what company and service you're using. Here's what Chase says about adding the ability to ACH debit customer accounts to a business account:

https://www.chase.com/business/online-banking/ach-collection...


The bank decides arbitrarily but effectively since if you're a crook, they lose that money so they limit the ability to the degree that they trust you, and once their own money is on the line, banks weirdly become much more effective at restricting fraud.

In essence, it's just equivalent to any other customer risk management by the bank, since allowing you a certain amount of ACH withdrawals is in some sense similar to credit risk.


The same as any other banking product? Due diligence, know your customer laws, and incredibly high fees.




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