ACH blocks are the simplest of all fraud protection products to use. With a block in place, no ACH debit, even one that is authorized, will be able to get through on a given account. Businesses are advised to put blocks in place on all accounts where ACH activity is not likely to be used.
An ACH filter allows businesses to give Bank of Tennessee a list of companies authorized to debit their accounts. Bank of Tennessee will then “filter” incoming debits and allow through only those that are on the approved list at the bank.