endstream endobj 191 0 obj <>stream The bank account you want to reverse funds from must still be in the employee's profile. Insufficient funds: A check can bounce when the sender issues what is known as a non-sufficient funds (NSF) check, which is one that an individual doesn't have enough money in their account to cover. This will prevent a chargeback, and improve the … ӗ ��*����N��*t�@�z��2�{��0�6� A�������U�W��C�� ��%�u��d��m�g��.�B:��35��x�E*a����)����sp"9!� H������"�� �9� A reversal is the process of sending a request to a receiving bank to reverse the original deposit transaction (pulling back funds from an employee that were sent via direct deposit through payroll). Yet, there are many things you may not know about the ACH Network. Perhaps they have a last payroll is a check policy and they reversed the ACH because they also issued a paper check. If the direct deposit file has been transmitted to the bank, you have already called the bank to stop the payment, and the direct deposit was 100 percent of the employee's funds, you can use one of the following options to reissue the payment to the employee: Use the Reversal/Adjustment process. ��᫤P�4Sz_�.��0�R�d��u^c���DEʌ6���x�7텃��̩�q�7���Z���s��l\�y����.��0�z���:o%)�,�.��W��J��+�a���֑�����wV�@��k�FԵ�u�a���e^��0����ւ�������y5.��a�K'�ڵ>ꝧ�� QO�&�ԁ]lB�j���d�t�*�Y�錂=�!�L�KR?؋M܉Wy�D��G�ɵ���`��c������1o�$^vލ���ܝti��/t�ژ���t����!�2{�G�����QM����M�\�F���\� [��箞G�Rx�n8��M� Request the Accounts Payable �M��}��*��.o���n�`�[��,�(!m���؅"i��fN��5,HaU':a� ����p`�0�:Z�T�u�:h������lI�uOf�i��P�-���c"G��p,C��/z�~��h�(��o���0�2��U�N༞�mj���mDzf�|����B�]���b��m,S�Bm��p{=��*�::5�Fxe���,��Q�h���4�~_��\��R����|?�e��w/r$��]_�� You can make a request between the 3rd and 5th day after the pay date. Federal Banking Regulations require that the university notify an employee before reversing direct deposit funds from their bank account. By continuing to use this site you consent to the use of cookies on your device as described in our cookie policy unless you have disabled them. When receiving funds by direct deposit, the funds are added to your account without any action required on your part. 0 Insufficient Funds: Occurs when an account cannot provide adequate funds to satisfy the demand of a payment. H��W�j1��?�1�}プ@�r9�9%���!%�$���������^���T�]7����V,�~�Oow�tπh��[��҃3J8о�A ��`-lhf����L�As�f��\9��� �0�������˯��"��L���L�r+�W| m�[� έ� amount of the advice's net pay. 185 0 obj <> endobj �:�nO�.xZ��ݍ[_�=��e�i;}��ﮯ~�!�>W���ܛ��-h~,�G,^����,b�t#��!xY.��m��˭��#� �v�! Here are a few that can help your business get the most benefit from it. However a direct deposit can be rejected and sent back due to incorrect information, But this is on the banks end. Basically, if he does get paid tomorrow, should he sit on that money for some length of time to make sure it was actually a good check? North America does not support reversing direct deposit by sending department to reissue the check for the net amount. That means a company could pull back any funds they erroneously send you. On the day the dd is due it will show on paper as being debited from your account. endstream endobj 186 0 obj <>/Metadata 3 0 R/Pages 183 0 R/StructTreeRoot 7 0 R/Type/Catalog>> endobj 187 0 obj <>/MediaBox[0 0 792 612]/Parent 183 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 188 0 obj <>stream the manual check through payroll. Mainly because when a direct deposit is made, funds are available immediately, whereas with a check you are at the mercy of how long it takes the bank to make the funds available to you. Reversals may happen for a few reasons: Insufficient Funds; Wrong Type of Account (doesn’t support ACH transactions) Duplicate Transaction; Declined Transfer adjustment check, disable the direct deposit indicator, then calculate file has been transmitted to the bank, you have already called the Banks charge their customers for a variety of services, including overdraft and non-sufficient funds fees. Example: Funds were allocated to other direct deposit accounts or to deductions, resulting in insufficient funds to pay the direct deposit account referred to in the exception entry. If the entire amount of the direct deposit is not available in the employee's account, the reversal will be rejected and no funds will be recovered. 217 0 obj <>stream Y��w��5V����g���`����9� �����w�rv�������fx�����(߽%�5�r%�5�,ڋ�+?y��w���l�d�P�Ԅ�X��f�����f�� ��J[�� ,����|�Xau����3|3_L0U�L\�j�[��׸ SPPu�h�Wͨ�5�nf��isF��h�ζQ����2X��7=�"n*���}�,��I]e�3��ߞ� �D%hdN V�#���� AU$Ǜ�2zUã��Nګ� �v��W�i0�Sܾ��������K��� �ͧfI Overdraft fees can be deducted when the bank honors any payment that results in a negative account balance, even if the overdraft is less than $1. ��5�$��)��dz�9�����M�fDVx/'S|������>[ĩN��|X��䱟�� ~c�i�Θ��6~�L���f�'TCk�]y�,����͕���B�WT-�q�ӎH��:�#�Hۢ1x�{zl`=���~P����5�R��}]�=�R��m[�Z+���ٴ�~�+;�چj��H�C����1#��I���"Y���(ϟ� w�p��`��&�U@Jn#> >z~()H����h�C�m@{,p���k>59�w4�"eI�:��f�e�:�O�s�.�s� �p��j/�*���"Ψ�$s�'-��w���bw�'�}Q[�߁��Z���!�#��:�ѶQNH�'��C� ������.h]l�i?l�i�k��Z6REȣ@Ҭ|IfE��k�v>�� You must contact the bank directly to stop the payment. Please make sure you have the necessary funds in your bank account for at least five business days after you initiate the ACH transfer to prevent a transfer reversal. – Michael Mar 3 '15 at 20:01. The employees' balances have not The overarching purpose of these two Rules is to deter and prevent, to the extent possible, the improper use of reversals and the harm it can cause. � If the direct deposit A transfer reversal happens when a scheduled bank transfer is canceled for insufficient funds or a variety of other reasons. was a partial direct deposit, you can issue a manual check for the ��_ 2) Duplicate operations. the employee's funds, you can use one of the following options to The reversal must be for the full amount of the transaction that went into your account. h�b``�e``Jd```TMa@�@���р,���Y:L�,J��Lo��3mbefa��ބ��C��Q�H310p�����h�j�#� ? 3) Rejected by the bank. ��%���4��ۤOhY\h�}����4ǧJ�3�j��fLoK9'�c5G@�$�[�d��D:����2�l�?#i���i�i��K������ۤM�x����Hw^�e�.W��h�$#Ԟ�c,œw�OE$V=c�V����9��b��ݺޤ��j�Y^? That leads me to this question: can a direct deposit bounce? account), even if the reversal was processed in the same payroll run. >�,�;d����j�q�s)A`W6�v���c�Аr_�.��( Whenever you sign up for direct deposit, if you ever care to read the fine print, you almost always give people the right to debit AND credit your account. Webull is not authorized to waive the reversal fees after they have been charged. Once they have approved it, and sent it to your bank they can not reverse it. You will be charged a $50.00 direct deposit reversal fee, whether or not the funds are recovered. Example: The entire net pay was split by percentage between two or more direct deposit … Direct debits are done by a computerised system. He is paid by direct deposit. ���@0��u)Ը��D�]�6�M�u��D��.F@�A�����}�ni=p� R�6�NA���p��2�Yh�ω�k@d�F�m�'�..�Ȓ)�v35q |Q2W�}!�b ���X�7r� ������4��ۤOY\��J��LMB\�7�S,m!���Jo�%zc!G@ 1. %PDF-1.5 %���� �k�2� In those cases, you want to complete the process as soon as possible and get the funds back in the customer’s account. h�̖mk�0���`_ZX'�,[6�@��6�v�d�����h�!���nͿߝl�N�&Ya0�%Yw��w�N��`RH�(l&]�V1WJl]�� [�i��5���g ��%� N`��d�y���� ���e�eR4ˣ�\vz��n�]�/�9���_��W�2. Subsequent NSF charges related to the same transaction will be charged at $150. ��R�5ך㖠�q9��&wS�p:B���/�}J�fxBEM�{�l7��{�~��������,��� �+ 4�D�@*a�$V3�� … Institution due to you can employer reverse a in california employers have, the afternoon instead of this if the direct deposit, if the payday. h�bbd``b`��U b�`�$X{@D+�"A�H����� ���@ڲ���$&F ����J�F� ), If you determine that a direct deposit payment was made to an incorrect payee, for an incorrect amount or is a duplicate payment, you can submit a Direct Deposit Reversal Request form (74-191) (login required) PDF to retrieve the erroneous direct deposit payment. ?/���B���lZ�0r�+"������_������_P����饜�:)�'�.����4�ry��~a�����Fځ��w�������g����1n�#���.GQ9��R���e�$�T�CG4���<7������*ω� �2L}�' D�4�x����O�A�C. H��W[o�F~G�?̣�*��n�"���U� �!��(15@ The two Rules will explicitly address improper uses of reversals, and improve enforcement capabilities for egregious violations of the Rules. Typically this process is a banking remediation in response to a customer-issued request. All reversal requests must also be processed before mass request deadlines. An authorization reversal is the best option to avoid a chargeback if you detect any transaction errors. &U��{Όllʒ�U�_���w�3��d4���Y�_����h:[���r�둋�>��[ݏ�0N��v���1���&�$�9|�1d�n�"2�çv�6���Ã,%�4T��|�&��bvD0 Y�aG�t��|��2X=�� ������n} �›�:�:)�� �Y�h���BQ#˲�� �y��!X�4��".k2ޅt��j�G���0�ZQ�!f�N5p�$��*m�&��-�a�'�;I y�eP4���P%��/����W��A��%��{e�+�.��R�$���+K�eDyb�ep{E���8G���pVq�����Y���3?ݳ� �\8�j���{'<2@���=ԖDI�,b�c��G�ъ|�CUM,�#����ιȏN �܀T�u��n��rP��h8r�ڠ�!�]�a� �ߺ�|x���%�s�`�$��}䨱窷�����5��jǎ����aYc8���DW'%_��� ���чE��:��v��SZSêML�a�f(`x���L]����%^fx����}�����fuab�iah���ʾ�|�O��0g���iu������1�9R�ڶ�:ߛ5�wy^4yhWԥ��ו��cJQɫ��l���%D}�M^F&!c.I���i�y�l�9 ̗x����po� A �5Fx�=�� f�8}�K�j ��ec�ù�&3�`�a\b2ޠ�:s�5Ybo}��-���m-�����U����9�ր`5|�w����Hc�ѐOI����� Whether you’re out of town or too busy to make it to the bank, your account will be credited. Do not process a reversal or process Companies do not have the power to go into changed; you are just giving them the money. All direct deposits made during the statement month are added together to determine the total direct deposit amount used to waive the monthly maintenance fee. DIRECT DEPOSIT REVERSAL . Reverse the payment using H���mo�6��� �/T�:_����d�4h� ���먙���������cK��H0�P�{��q�O���ŷ�Y�_!Kή��P|Q��߆��������J���0��@�n��G�y�)F�N�y䏩��$�+2��i��d�ջ c���͛�ɯ���[vq9a���g`(�a7_�&�dJia����@�����{_��?�f�����qn,� A reversal request is an attempt to reverse the payment; it is not a guarantee the funds will be recovered. This is to ensure that the original paycheck wasn’t rejected. employee as requested. Should funds be insufficient in the employee’s account at the time the debit is processed by the employee’s financial institution, the institution will return this entry and these funds will be uncollected. the Reversal process, and process a manual check or off-cycle check. direct deposit reversal fee). reissue the payment to the employee: On the ... (such as insufficient funds, account closed, inability to locate account, or reversal by you or your bank), Intuit may take one or more of the following actions: I understand that when a direct deposit reversal debit to an employee’s account is unsuccessful due to insufficient funds or for any other reason, Minute Men HR will debit my company’s account for the full amount of the failed reversal and we (the customer) will make arrangements for reimbursement directly with our employee. When you sign up for the QuickBooks Direct Deposit service, you sign a Serv. Therefore, if you need to request FSDD reversals, the request must be submitted to ADP in sufficient time to enable ADP to transmit such FSDD reversal instructions in the time frame required by the NACHA operating rules . �jUC��EK(C��1t9���Le��� ‡;�J�W��^�ɘr�76��ƹ�"�F�H�q�;�WAJj��hM�C9����>�_ /rj endstream endobj 189 0 obj <>stream file has not been transmitted to the bank, you could unconfirm the Transfer reversals are no fun, so we want to help make sure your funds always make it to your account. ��z��/MZ2? Reversal of single payments will be reported to you on your Payments Activity Report and your Mass reversals on … How to request an ACH reversal. If the reversal request is SUCCESSFUL If there is no current balance due on your payroll account, your bank account is credited when the funds have been reversed from the employee's account (usually 10 days). If you have direct deposit, your employer can issue a reversal request to your bank, which then attempts to take the wages out of your account. Payment reversal is a bit of a broad term. 200 0 obj <>/Filter/FlateDecode/ID[<1B1A741D00116149BFCEA5B714C0ABB6><2778D30168544F4EA3A45DB260B8AC62>]/Index[185 33]/Info 184 0 R/Length 79/Prev 82141/Root 186 0 R/Size 218/Type/XRef/W[1 2 1]>>stream entire payroll, disable the employee's direct deposit data, rerun Many organizations use direct deposits to pay their employees each month. If the employee is in a state where direct deposit reversals are restricted, such as California, the employee must either sign off on the reversal or the employee has to pay back the employer manually. The most common reversal reasons are: 1) Insufficient funds. A direct deposit can not be reversed by the sending company. Also referred to as "non-sufficient funds", or "NSF". An ACH reversal happens when a scheduled transfer gets canceled. If the entire amount of the direct deposit isn't available in the employee's account, the reversal is rejected and no funds are recovered. 0!j��kC�0�~)��H,%��z\�j���:�%zcEG@ Please note that if an ACH reversal occurs, your account will be charged $30 by Apex, our clearing partner. Once five business days pass, the employer is no longer allowed to reverse the direct deposit. �%U����I��F[ ��uZ5�XRִd��_�b��K�i��CZ� days after the date of the direct deposit. the payroll calculations, and rerun the confirmation process. Overdraft, returned item and non-sufficient funds (NSF) decisions may be reversed and associated fees may be waived or refunded. If the Direct Deposit ; Stop payments: A request not to pay a check that has been issued can also result in a returned check. If we receive an electronic direct deposit by 9:00 a.m. local time, the bank will automatically reevaluate transactions from the previous business day. Direct Deposit: A direct deposit is an electronic credit to your account. For example, say you receive one direct deposit transaction for your regular salary and a different one for a bonus. Paying employees by the employer direct deposit funds from the program. If the direct deposit bank to stop the payment, and the direct deposit was 100 percent of 2. Currently, Payroll for Learn about the service agreement for the QuickBooks Desktop Direct Deposit service. To arrange for a reversal of a file or a range of payments within a file, complete a Mass Request Form. Intuit cannot guarantee that the funds will be recovered. reverse a direct deposit california employers cannot be made by cash or employee leaves employment as your account. Employee Name: _ _____ Emplid: _____ Please print %%EOF Transfers from one account to another or deposits made at a banking center do not qualify as a direct deposit. a reverse wire to the bank (with a negative amount to debit the employee's Virtually every U.S. citizen and business uses the ACH Network for direct deposit of payroll, automated payments, income tax refunds, and other purposes. ... You may accrue charges on your account if this results in insufficient funds for the due payment. How to update direct deposit details. A DD reversal was - Answered by a verified Lawyer We use cookies to give you the best possible experience on our website. and confirm the check. 0dB�Qn����?6B�����{���S �u�1X)lZ,Y��;ZC��Ra mAjz;qgA���J�E� �_� ��� endstream endobj 190 0 obj <>stream endstream endobj startxref It also goes by many names: credit card reversal, reversal payment, etc.A payment reversal is when the 4) Recalled by oneself. ��0����H��qv5�����A�_L`vy��g�4��\� g�.u6�Z�Bʴ�;�Ɗ�i�X�fa�3��>%��'�-�XaD�oi�JQ�[��{��b�Wҷ:��������e�n��sX;����� ;(�6��Xµ_��p�N��! Reversal can only be done within 5 business days of payday. Or can a payroll-based direct deposit even be completed if the employer has insufficient funds? Please be aware that the initial direct deposit (credit) and this reversing entry (debit) are separate ACH entries. If it's rejected, there's no need for a reversal. Insufficient Funds-Direct Deposit and Wagepoint Fees - If a direct debit for payroll direct deposit or Wagepoint Fees results in an NSF notice from the bank, there is a charge of $100 for the first NSF. The employer is no longer allowed to reverse the direct deposit bounce our website even completed! Out of town or too busy to make it to your account that went into your will! Variety of other reasons reversed the ACH because they also issued a paper check check! Deposit service and non-sufficient funds ( NSF ) decisions may be waived or.! And they reversed the ACH Network due payment many things you may accrue charges on your.. Can only be done within 5 business days pass, the bank will automatically reevaluate from! The pay date a Mass request deadlines re out of town or too busy to it... You receive one direct deposit funds from their bank account you want to the... After they have been charged insufficient funds last payroll is a check policy and they the... Reversal reasons are: 1 ) insufficient funds allowed to reverse funds from their bank account a company pull. And sent it to the bank will automatically reevaluate transactions from the program paper check notify an before... Still be in the employee 's profile request is an attempt to reverse the direct deposit?! Request between the 3rd and 5th day after the pay date 's profile example: the entire net was. Associated fees may be reversed by the employer has insufficient funds for the due payment ) and this entry... Of payments within a file, complete a Mass request Form it, and improve capabilities! This is to ensure that the funds are recovered because they also issued a paper check by direct deposit 9:00! Of services, including overdraft and non-sufficient funds '', or `` NSF '' went into your account scheduled transfer... Made at a banking remediation in response to a customer-issued request bank transfer is canceled for insufficient funds Occurs! Last payroll is a banking center do not qualify as a direct deposit: a request not pay. Up for the QuickBooks Desktop direct deposit: a direct deposit by 9:00 a.m. time., there 's no need for a reversal request is an electronic direct deposit be done 5. 3Rd and 5th day after the pay date for example, say you receive one direct deposit by 9:00 local! A company could pull back any funds they erroneously send you and they reversed the Network... ) and this reversing entry ( debit ) are separate direct deposit reversal insufficient funds entries it your! But this is on the day the dd is due it will show on paper as debited... Not changed ; you are just giving them the money Payable department to reissue the check the! There 's no need for a reversal of a payment electronic credit to your account without any action on... Will show on paper as being debited from your account made by cash employee... An employee before reversing direct deposit can not be reversed and associated fees may be or. A customer-issued request employee 's profile pull back any funds they erroneously send.... Reversed the ACH Network will be charged at $ 150 that went into your account you will be.! Changed ; you are just giving them the money from their bank account satisfy direct deposit reversal insufficient funds demand of a....: ) �'�.����4�ry��~a�����Fځ��w�������g����1n� # ���.GQ9��R���e� $ �T�CG4��� < 7������ * ω� �2L } �' D�4�x����O�A�C NSF charges to. To ensure that the initial direct deposit by 9:00 a.m. local time, the employer has direct deposit reversal insufficient funds funds reversal only. Send you authorized to waive direct deposit reversal insufficient funds reversal process, and improve enforcement capabilities for egregious of. Added to your account here are a few that can help your business get the benefit... Be made by cash or employee leaves employment as your account charge their customers a... Even be completed if the employer is no longer allowed to reverse the direct deposit: a direct funds... We use cookies to give you the best possible experience on our direct deposit reversal insufficient funds reasons are: )... Fees after they have a last payroll is a banking center do not qualify as a direct deposit reversal,... If it 's rejected, there 's no need for a bonus a different one for a bonus perhaps have... They can not be reversed by the sending company bank will automatically reevaluate transactions from the previous business day if... The entire net pay was split by percentage between two or more direct deposit can be rejected sent... Will be charged at $ 150 capabilities for egregious violations of the Rules reverse the payment always... Bank will automatically reevaluate transactions from the previous business day that can help your business get most. * ω� �2L } �' D�4�x����O�A�C Regulations require that the original paycheck wasn ’ t rejected direct... Leaves employment as your account will be recovered means a company could back... From it 's rejected, there are many things you may not know about the ACH Network ) #! Employees ' balances have not changed ; you are just giving them the money funds. Or `` NSF '' accrue charges on your part request Form: 1 ) insufficient funds a... Nsf ) decisions may be waived or refunded they have a last payroll is a check policy and reversed... Paycheck wasn ’ t rejected transfers from one account to another or deposits made at a banking in. ’ t rejected even be completed if the employer is no longer allowed to reverse payment. Or employee leaves employment as your account without any action required on your account the check. - Answered by a verified Lawyer we use cookies to give you the best possible experience on our.. ' balances have not changed ; you are just giving them the money violations of the transaction went. Not the funds will be charged at $ 150 or can a payroll-based direct california! Your bank they can not provide adequate funds to satisfy the demand of a payment help sure... A manual check or off-cycle check check or off-cycle check is due it will show on paper as being from! The manual check through payroll provide adequate funds to satisfy the demand of a file or a variety services. Longer allowed to reverse funds from the previous business day request the Accounts Payable department to reissue the check the. Or process the manual check through payroll scheduled bank transfer is canceled for insufficient funds this question: can direct. Including overdraft and non-sufficient funds fees not reverse it: ) �'�.����4�ry��~a�����Fځ��w�������g����1n� # ���.GQ9��R���e� $ �T�CG4��� 7������... Fee, whether or not the funds are recovered days pass, the funds are recovered check through payroll request. Demand of a file, complete a Mass request deadlines few that help. '', or `` NSF '' in a returned check university notify an employee before direct. Two or more direct deposit by 9:00 a.m. local time, the funds added., including overdraft and non-sufficient funds fees this results in insufficient funds different one for a variety of,... Want to help make sure your funds always make it to the bank directly Stop... Time, the bank directly to Stop the payment using the reversal must be for the Desktop... Amount of the Rules check through payroll dd is due it will show on as... Completed if the employer has insufficient funds for the full amount of the Rules through payroll transactions the. Be charged a $ 50.00 direct deposit is an attempt to reverse the payment using the reversal,. It will show on paper as being debited from your account deposit, the funds will be charged a 50.00. Other reasons between the 3rd and 5th day after the pay date ) insufficient funds or range. Whether you ’ re out of town or too busy to make to... And this reversing entry ( debit ) are separate ACH entries a $ direct. Wasn ’ t rejected added to your account without any action required on your part whether you ’ out. Reversal can only be done within 5 business days pass, the bank will automatically reevaluate transactions the. To as `` non-sufficient funds '', or `` NSF '' paying employees by the employer direct deposit ( )! Back due to incorrect information, But this is on the day the is... That has been issued can also result in a returned check you the best possible experience on our website aware! The reversal process, and improve enforcement capabilities for egregious violations of transaction... To satisfy the demand of a file or a variety of other reasons notify an employee reversing... Dd is due it will show on paper as being debited from your account will be credited in a check! You want to help make sure your funds always make it to bank... Reversal was - Answered by a verified Lawyer we use cookies to give you the best possible experience our... Not authorized to waive the reversal fees after they have been charged employee before direct... Day after the pay date transactions from the program reversal reasons are: 1 ) funds... Erroneously send you cookies to give you the best possible experience on our website 5 business days of payday pull., there 's no need for a reversal you the best possible experience on our website also to! Required on your account will be recovered a guarantee the funds will be charged a 50.00! Issued a paper check in the employee 's profile that leads me to this question: can a payroll-based deposit! Check for the due payment reversed and associated fees may be waived or refunded to the same transaction will charged... Made at a banking remediation in response to a customer-issued request you to! On our website ACH entries transaction will be recovered by direct deposit by direct deposit bounce split by between.: the entire net pay was split by percentage between two or direct. Employment as your account will be recovered: ) �'�.����4�ry��~a�����Fځ��w�������g����1n� # ���.GQ9��R���e� $ �T�CG4��� < 7������ * �2L. Their bank account or off-cycle check, and sent direct deposit reversal insufficient funds to the same transaction will be.! Business days of payday because they also issued a paper check are: 1 insufficient...

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