What is ACH Debit?
ACH Debit allows a third party to pull funds from your Aspire USD Checking Account. At this time, Aspire does not support initiating ACH Debit transactions to pull funds from other US bank accounts.
How does it work?
When someone initiates an ACH debit to your Aspire USD Checking Account, you’ll receive an email notification detailing the scheduled transaction.
Authorizing an ACH Debit Request
If you approve the request, no action is needed. The amount will be automatically debited from your Aspire USD Checking Account on the settlement date. The recipient typically receives the funds by 5:30 AM PT on the next business day after the expected settlement date.
To authorise the ACH debit request, you may simply ignore the email, as it will automatically debit your Aspire USD Checking account on the expected settlement date. The requester will receive the requested amount by 5:30 AM PT on the next business day after the expected settlement date.
Returning an ACH Debit Request
If you do not authorize the request, you have until T+1 business day (1 business day after the scheduled settlement date) to return the transaction.
The return process depends on the transaction status:
Return via Email (Before the Transfer is Settled)
On the ACH Debit Request email notification, click on "Return ACH Debit".
Select a reason for submitting the return:
I have placed a stop payment order on this debit entry.
This appears to be a duplicate entry.
This debit entry has not been authorised by me.
Add additional comments (optional).
Click "Return ACH Debit" and select "Yes, submit".
Return via Email (After the Transfer is Settled)
On the settled ACH Debit email notification, click on "Return ACH Debit".
Select a reason for submitting the return:
I have placed a stop payment order on this debit entry.
This appears to be a duplicate entry.
This debit entry has not been authorised by me.
Add additional comments (optional).
Click "Return ACH Debit" and select "Yes, submit".
Return via Aspire App (After the Transfer is Settled)
On your Aspire dashboard, click "Funds" in the left navigation bar (web app) or click "Menu" and choose "Funds" (mobile app).
Select Aspire USD Checking Account.
Select the relevant ACH Debit transaction.
Click "More" and select "Return ACH Debit".
Select a reason for submitting the return:
I have placed a stop payment order on this debit entry.
This appears to be a duplicate entry.
This debit entry has not been authorised by me.
Add additional comments (optional).
Click "Return ACH Debit" and select "Yes, submit".
Note: Once submitted, the return typically takes 2–3 business days to reflect in your account.
What if I missed the ACH Debit return window?
If you miss the return window (T+1 business day after the expected settlement date), please contact our Support team via the Aspire app for assistance.
Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.