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Originally Posted by sleeves
And if you're reading between the lines you would wonder why Electracash has to recover the money before it can be deposited into my checking account. If it was on the bank they'd just deposit the funds directly, there wouldnt be any need to send the money back to Electracash.
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Not necessarily - if it went into a bad account, the 'bank' can't just take it out and say it's an 'error'. The person who got the money could very well say it's 'his' and then the bank would have to justify having done the 'withdrawal' whereas if the issuing bank calls it back it's a reversal.