# Scenario Walkthroughs

## Example Scenarios

1. **Standard ACH Credit:**
   - Timeline: Submission → Settlement → Posting → Funds Availability
   - Impact: Funds credited to the receiver.

2. **Same-Day ACH Credit:**
   - Timeline: Submission → Same-Day Settlement → Posting → Funds Availability
   - Impact: Accelerated funds availability.

3. **ACH Return Before Funds Available:**
   - Timeline: Submission → Return Initiation → Settlement Validation → Posting
   - Impact: Funds returned to the originator.

4. **Insufficient Funds Return:**
   - Timeline: Submission → NSF Validation → Return Initiation → Posting
   - Impact: Transaction reversed.

5. **Future-Dated Entry:**
   - Timeline: Submission → Date Validation → Posting → Funds Availability
   - Impact: Transaction processed on the effective date.