In an embodiment, a method comprises initiating a plurality of electronic funds transfer transactions using an automated clearing house (ACH) operator, wherein each of the transactions is associated with one of a plurality of financial institution routing numbers; receiving a negative return code for a particular transaction that is associated with a particular financial institution routing number; in response to receiving the negative return code for the particular transaction and the particular financial institution routing number, and without waiting for an end of a waiting time period specified in one or more financial regulations: marking, as accepted, all other transactions in the plurality that are associated with the same particular financial institution routing number; releasing the marked transactions.