<prompt> Human: Basically what it says in the title. I have had? an account with Independent Bank, and it was sitting at a 0 balance for a few days. Yesterday, my paycheck and a separate larger direct deposit showed as present in my account, but I just went to the bank and they said they had closed the account for inactivity. They said they had returned my balance, but the girl on the counter couldnt be more specific than that, because that department doesnt work weekends. Im at a loss what to do. I have bills, and Im supposed to go on vacation Tuesday. Anyone have any advice?Assistant: If the ACH was rejected your employer and the originator of the other deposit will be receiving your funds back. Assuming youre in the US, or in a country with a similar ACH system, if it came in on friday, Id expect their institution to receive it Monday in theory same day with that network change a few months ago, but this stuff gets batched at different times a day, if they rejected it first thing in the morning its possible that it was back at the end of the day, but unlikely. Processing times both between the bank and the actually company sending you the money MIGHT increase that timewhenever might is involved in something like this, its best to assume will, as well as procedures in place at companies. Since you need the money asap if you work at company large enough to have a payroll department I would recommend contacting them today if possible, if theyre closed contact whoever works with payroll first thing Monday. If they can print and cut you a check same day that has the highest chance to get to you the quickest. All that being said right now I wouldnt expect you to get your money by Tuesday. Its possible, its definitely possible, but dont plan on it.Human: Yeah, from the account activity, its looking like the ACH was rejected. I do have a payroll department, but theyre in Texas, whereas Im in Michigan.  <response>: Your Bank account was likely closed for inactivity BEFORE you received your ACH payroll. That is why the ACH payroll deposit didnt happen. If you actually had received the ACH deposit into your account, the bank would not pull out the funds and send back... 