What is an ACH return? September 29, 2021 22:27 Updated Follow A returned ACH occurs when the deposit is returned by your bank. NOTE: You may be charged a $15 returned ACH fee. Related articles Why was my ACH payment returned? Are there limits on ACH transfers? Are there fees for ACH returns? What is a Pattern Day Trader and when will it result in account restrictions? How many Invest accounts can I have?