What happens when this goes wrong?
Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.
Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.
One payroll entry through one ACH Operator in a single settlement window; real ACH batches many entries across multiple daily windows, with Same Day ACH offering faster but still batched, netted settlement. Every failure here is authored on US ACH Network — direct deposit, with the sources that back it.