Under writing & Basics

The z-index property in CSS controls the vertical stacking order of overlapping elements on a webpage. Elements with a higher z-index value appear closer to the user (on top) than elements with lower values. Key Concepts Only for Positioned Elements: z-index only works on elements that have a position value other than static (the default). This means you must set the position to absolute, relative, fixed, or sticky for the z-index property to have any effect. Integer Values: The property accepts integer values (positive, negative, or zero). A higher number (e.g., z-index: 10) will overlap a lower number (e.g., z-index: 5). Stacking Contexts: This is the most complex aspect of z-index. The stacking order of an element is determined within its own parent’s stacking context, not globally across the entire webpage. A child element, even with a z-index: 9999, cannot appear above an element that its parent is beneath. New stacking contexts are created by positioned elements, flex and grid items, and elements with properties like opacity or transform. Default Behavior: If no z-index is specified, elements are stacked based on their order in the HTML document (DOM order), with later elements appearing on top of earlier ones at the same hierarchy level. Common Use Cases z-index is essential for creating complex user interfaces, such as: Modals and Overlays: Ensuring a pop-up window appears above all background content by giving it a high z-index value. Navigation Bars: Keeping a fixed or sticky navigation menu visible at all times as the user scrolls. Tooltips and Dropdowns: Layering interface components so they display correctly when hovered or clicked. For more in-depth learning, the MDN Web Docs provide a comprehensive guide on z-index and stacking context

Once a File has been created The “Chime” part (important reality check)

Chime is not itself an RDFI; deposits are posted by its partner bank. Practically, that means:

Returns/NOCs will come back normally.
You don’t need special handling beyond correct RDFI details + good return workflows.

Your ACH credit lands at the RDFI using routing/account provided.

Here is the correct, examiner-clean ACH terminology you can safely use in policies, authorization forms, disclosures, and Netspend-related flows.

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Correct ACH Terminology (NACHA-Aligned)

ACH Term	What Happens	Who Initiates
ACH Credit	Funds are pushed into the Receiver’s account	Originator (payer)
ACH Debit	Funds are pulled from the Receiver’s account	Originator (collector)

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Plain-English Clarification (Important for Forms)

• ACH Credit = Push
  • Money moves from the Originator to the Receiver
  • Examples:
    • Payroll
    • Vendor payments
    • Insurance disbursements
    • Government benefits
• ACH Debit = Pull
  • Money moves from the Receiver to the Originator
  • Examples:
    • Bill pay
    • Subscription charges
    • Loan payments
    • Utility drafts

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Netspend-Specific Usage (Critical Distinction)

When Netspend (or any prepaid program manager) is involved:

✅ Incoming Funds (Most Common)

• Type: ACH Credit
• Who initiates: Employer / Payer / Benefits provider
• Effect: Funds are credited to the Netspend cardholder’s account
• Typical language: “Funds will be deposited via ACH credit.”

⚠️ Outgoing / Collections (Restricted & Controlled)

• Type: ACH Debit
• Who initiates: Merchant / Collector
• Effect: Funds are debited from the Netspend account
• Note:
  • Not all Netspend accounts allow debits
  • Requires explicit authorization and program approval
  • Often subject to additional EFTA and risk controls

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Policy-Safe Language You Can Paste

ACH Credit Authorization

“I authorize the Originator to initiate ACH credit entries to my account for the purpose of depositing funds.”

ACH Debit Authorization

“I authorize the Originator to initiate ACH debit entries to my account for the purpose of collecting authorized payments.”

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Examiner Notes (Why This Matters)

• “Credit” and “Debit” are defined from the Receiver’s account perspective
• Mislabeling these terms is a common compliance finding
• Netspend programs are scrutinized for:
  • Improper debit authorization
  • Confusion between push vs pull language
  • Consumer protection violations (EFTA / Reg E)

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Here’s the correct, bank-accurate way to say and understand it for ACH transactions:

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ACH: “Credit into the debit account of the receiver”

Plain-English meaning

👉 Money is deposited (credited) into the receiver’s bank account
even though that same account is normally called a debit account (checking or savings).

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Why this wording exists

In ACH, “credit” and “debit” describe the direction of money movement — not the type of account.

• Debit account = a checking/savings account that can be debited or credited
• ACH Credit = funds move into the receiver’s account
• ACH Debit = funds move out of the receiver’s account

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Correct ACH terminology (use this in policies & forms)

ACH Term	What happens	Who initiates
ACH Credit	Funds are credited into the receiver’s account	Originator (payer)
ACH Debit	Funds are debited from the receiver’s account	Originator (collector)

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Example scenarios

✅ ACH Credit (most payroll & payouts)

• Employer → Employee
• Bank → Customer refund
• Marketplace → Seller payout

Language to use:

“An ACH credit entry will be initiated to credit funds into the receiver’s deposit account.”

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⚠️ ACH Debit (requires explicit authorization)

• Utility bill pull
• Subscription charge
• Rent or mortgage draft

Language to use:

“An ACH debit entry will be initiated to debit funds from the receiver’s account pursuant to authorization.”

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Compliance-clean sentence (recommended)

Use this exact phrasing in examiner-facing documents:

“Funds are transferred via ACH credit and posted as a credit into the receiver’s designated deposit (debit) account.”

This avoids:

• Consumer confusion
• Reg E / NACHA examiner pushback
• Misclassification of account roles

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Visual flow (ACH Credit)

Flow:
Originator → ODFI → ACH Operator → RDFI → Receiver’s account (credited)