Right, but that's my point, not necessarily agreeing with the motivation or such. If the transfer went through before the FDIC shuttered them this AM, it could be argued that the transaction was entirely authorized _at the time_ the ACH debit occurred.
Hopefully banks will sympathize, but I don't know that you can say "the bank was forcibly closed the day after this ACH transaction, so it's unauthorized, because I intended to have those funds flow outbound later".
It would be unauthorized if the ACH debit was _initiated_ after the closure of the bank.
Regardless of the correctness or legality of the advice, it's a bit odd to wade in and give it at all isn't it? Why not steer well clear? Seem friendly/helpful and buy goodwill I suppose?
Hopefully banks will sympathize, but I don't know that you can say "the bank was forcibly closed the day after this ACH transaction, so it's unauthorized, because I intended to have those funds flow outbound later".
It would be unauthorized if the ACH debit was _initiated_ after the closure of the bank.