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A comment on Ask HN: Why hasn't the ACH system been more abused?. Parent comment

Re:Ask HN: Why hasn't the ACH system been more abused? by theonething on Monday August 29, 2022 @06:52PM (#32644583)
What if the fraudulent account is emptied? Then it seems there's no money to reverse.
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Re:Ask HN: Why hasn't the ACH system been more abused? by insane_dreamer on Monday August 29, 2022 @07:27PM (#32644832)
You'll have a negative balance in your account and owe the bank. And they may not allow you to close your account if you have any ACH transfers within the reversal period.
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Re:Ask HN: Why hasn't the ACH system been more abused? by adrr on Monday August 29, 2022 @07:42PM (#32644941)
It doesn’t matter. Money moves. Fed doesn’t care about account balances on individual accounts at a bank.
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