Any time we have:
an invalid check
An invalid account number and routing number for an ACH transaction
An NSF check
A fraudulent check
When someone disputes a transaction with their bank
a chargeback will occur.
A chargeback for an ACH or check transaction for an invalid checking account or routing number will not be seen by the donor in their account.
A chargeback for a check transaction may cause the donor's bank to assess fees on their account but the original donation will not be moved from their account to Vision2.
In the case of a credit card chargeback the funds are actually taken from your next settlement and returned to the donor per the bank's instructions.