something to be aware of to all small business owners, HAVE ACH Protection!!

Original posted in banking:

I have a small business checking from Bank of America I use to receive payments from customers. A random company I never heard of withdrew $60k using ACH. It was pending Thursday and posted Friday. I was told I have to wait until posting to submit the claim so I did.

My question is how likely will I get my money back? My account is negative $55 because I only had few thousands in there. What is stopping me from just close my account and say it’s the banks problem, because I never authorized this and it’s mostly banks money as I am deep in red.

I think I did everything correctly. I submitted the form literally within hour of it went from pending to posted.