ACH Deposits and ACH Withdrawals. ACH allows you to establish preauthorized deposits and withdrawals from your BECU Account. This serviceallows you to pay or receive recurring payments. We will process ACH transactions throughout the day, which may include debits and credits. You must keep a sufficient Available Balance in your Accounts at all times because debits and credits may occur throughout the day. We may receive multiple deposit or credit and withdrawal or debit transactions on your Accounts in many different forms throughout each day. If withdrawals or debits post to your Account when there is a non-sufficient Available Balance, you may be charged NSF Fees. Although any subsequent deposit or credit transactions made later that same day may bring the Available Balance above $0.00, the prior NSF Fees will remain on the account. The best way to know how much money you have available to spend (your Available Balance), and to avoid paying NSF Fees, is to record and track all your transactions closely.