ACH transfers are fairly difficult to reverse, although not completely impossible.

Q). Are there special requirements for My Bank Account orders? (Added March 2012)
A). Yes. Unfortunately, we have lost thousands of dollars on these orders, due to our banks clearing payments that were later fraudulently reversed. To reduce the amount of fraud, all My Bank Account orders must be accompanied by:
- Photo identification
- A current utility bill
- The first page of a current bank statement, showing sufficient funds in the account