[scarface_74]

I’m not sure about ACH (directly from your checking account) rights. But, debit cards issued with the Mastercard, Visa, Amex logos give you the same rights as credit cards. Where you can get the charge reversed.

However there are a lot more knock on effects while you’re waiting for actual cash to be put back into your account than there are when you’re just waiting to get a credit card transaction reversed.

Not only can they potentially drain your checking account. They can also drain any linked Savings account that you have to cover overdrafts.

I only keep $500 in my linked Savings account to cover any of our accounts.