Skip to main content
These best practices focus on preventing ACH returns when using Instant Account Verification (IAV) for account verification and transfers. For broader guidance on implementing the Connect Widget and driving user engagement, see Connect Widget Best Practices.

​
Reducing ACH Returns

To limit the number of ACH returns:
  • Read the account balance immediately after an IAV.
  • Submit an ACH transaction as soon as possible after an IAV.
  • Run a balance check and read the account balance before submitting future ACH transfers for an account.
The following table outlines the preventative steps and resolution steps for each return code.

​
Run Only One IAV Per Account

There is usually no need to run multiple IAV jobs for a single account. Once you have the account and routing/transit numbers, these can be reused any number of times for multiple future ACH transfers. There is no need to run an IAV before each ACH transfer with the same account. However, for ACH transfers that occur more than a few hours after the initial IAV, you must run a balance check and read the account balance in order to confirm the account is still open and there are sufficient funds in it.