 In the case of errors such as unidentified payee’s a/cs, receiving banks notify sender banks about the errors and send reverse transactions to ACH.  ACH will receive payment instructions all day, except during the system maintenance period. Clearing time can be extended up to 22 hours a day; as a practical matter, it depends on the operation and monitoring structure of CBM.  The payment instructions received during closing time of the clearing time, except during the system maintenance time, will be accepted and settled at the next designated settlement time after opening the clearing time. 3) Flow chart of ACH direct credit (interbank payroll) Source: Preparatory Survey Team Figure 3-18 Flow chart of ACH direct credit (interbank payroll) (E) ACH direct debit 1) Business Requirements  ACH implements the direct debit function and enables FIs to exchange interbank payment instructions for direct debit.  Once the receiving bank receives utility payment data from companies or public organizations, the receiving bank extracts interbank direct debit data from them and sends the data to ACH. 48