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Re:How ACH works: A developer perspective – Part 2 by napoleond on Tuesday May 13, 2014 @08:42PM (#7741534)
I don't have a US bank account so this doesn't affect me, but just speaking as "Joe Consumer" you may want to address parent's point about the bank's T&C, since that was the only part of his comment that jumped out at me and the only part you didn't address.
Re:How ACH works: A developer perspective – Part 2 by tomasien on Tuesday May 13, 2014 @09:00PM (#7741617)
It doesn't. Thank you for pointing that out. Mint did a lot of the work for us here to be honest, they made it really easy to get this stuff out of the way.