[NovemberWhiskey]

So let's say banks do display 'funds available, but subject to recall if check cannot be collected'.

A year later, the internet will have thousands of threads on various sites with people complaining that their (real, legitimate) paychecks still show the indication weeks after depositing.

People who are so wishful-thinking that they think someone is paying them a 10% commission to deposit a check will still be wishful-thinking, and will continue to accept statements like "this is normal, you'll see it all over the internet" at face value.

[hakfoo]

Perhaps that would be the sort of customer dissatisfaction that would move the needle to something less Rube Goldbergish.

As I understand it, there is literally not a "transaction complete" message in the ACH protocol. After enough days without hearing an exception, you assume it went though.

U suspect this comes to the implementation model-- since it's so much based on batch files and potentially offline processing at the destination bank, they probably don't want the overhead of composing and returning a success response for the 95% of transactions that behave normally.