A direct deposit payment may be returned automatically by the payee's receiving depository financial institution (RDFI) if the payment cannot be posted because the account is closed, the payee is deceased, or other reasons.

A financial institution may put a hold on a direct deposited check in some situations, such as if the check is for a large amount, the account is new, the account has been overdrawn, or the bank has a concern about the ability to collect the funds from the payer. Account start date.