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eCheck Chargebacks {#echeck-txnrprocess-chargebacks}
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For transactions made from personal checking and savings accounts, Nacha grants 60 calendar days during which a customer may return a charge item erroneously posted to the customer's bank account. The 60-day window begins the day the bank first made its statement with the transaction listed available to the customer.

> IMPORTANT
> If your eCheck return rates exceed Nacha thresholds, Nacha might require additional information. You will be notified by ` Cybersource ` and must immediately respond and become compliant. After becoming compliant you must maintain compliance for the next 180 days. If you cannot reach and maintain compliance, your account might be terminated.

| Return Type    | Nacha % Threshold | FNBO Volume Threshold | Days to Comply | Maintenance Period |
|:---------------|:------------------|:----------------------|:---------------|:-------------------|
| Unauthorized   | 0.50%             | 5 items               | 30 days        | 180 days           |
| Administrative | 3.0%              | 15 items              | 60 days        | 180 days           |
| Total          | 15.0%             | 25 items              | 60 days        | 180 days           |
[Nacha Thresholds for eCheck Returns]

Take precautions to minimize the risk of losses when using the eCheck service. To reduce the potential for chargebacks, you must ensure that you are receiving the proper payment authorization prior to processing an eCheck transaction. You may also want to consider waiting to ship goods until after eCheck transaction proceeds are deposited in your merchant bank account (following the required `Cybersource` holding period).  
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