|In so far as unfunding is concerned, I ran into a similar issue several years ago. There is something apparently called a reverse deposit. It was explained to me that if there is a problem the bank upon which the check is drawn can reverse the transaction, and every bank down the line has to cough up the money and reverse the transaction so on down the line until it hits the low man on the totem pole. I am not sure if this is what you are talking about,|
but I have seen it work very effectively.