A typical ACH debit transaction consists of debiting, or directly taking money out of, a bank account by providing the account and routing number associated with the transaction. Once the authorized transaction has been communicated between the banking institutions, it is then processed and the debit from the account occurs. The funds are typically held for up to 72 business hours to ensure availability. Once verified, the originator of the transaction receives a credit to their account. If for any reason the transaction was unsuccessful, the originator is notified of the return occurring and additional information regarding the reason for that.