Final answer:
The ODFI may dishonor a return from the RDFI within two banking days of the settlement date due to various reasons including insufficient funds or a dispute over the transaction.
Step-by-step explanation:
The ODFI, or Originating Depository Financial Institution, and the RDFI, or Receiving Depository Financial Institution, are both entities in the ACH network, involved in the transfer of funds electronically between banks. If a return is dishonored within two banking days of the settlement date, the ODFI may dishonor a return from the RDFI. This can occur due to several reasons such as insufficient funds, closed accounts, or a dispute over the nature of the transaction.
Learn more about ODFI and RDFI