[aneth]

Square was out the funds immediately. Jason could have avoided fees by funding his account the same day, or by simply keeping some reasonable amount in the account for potential chargebacks.

Square should not be required to keep a person on call to handle special cases like this or to ask merchants nicely for funds for every chargeback to an unfunded Square account. Automated ECH transfer from a linked account is fair and efficient, and once it is initiated can't be stopped.