@SweetieJean - but a 'share' account is a form of savings account and the OP was discussing a checking account.
The point is from my personal experience - is that for Credit Unions, it is an imperative to tag the account as either checking or savings correctly . The ACH transaction will fail if the incorrect one is chosen, whether that is a direct deposit or a direct debit. It's not a function of how a particular Credit Union chooses to operate, it's how the whole network operates.
For the Banking system, even though they use the same ACH trtansmission system as the Credit Unions (which is separate from the Banking System), I've never experienced a client to have an issue, regardless of whether checking or saving was incorrectly tagged, with a reject of either a direct deposit or a direct debit on the basis of an incorrect account type.
