What if I send an instant payment transaction to the incorrect account number?

Instant payments through Real-Time Payments and FedNow are final and irrevocable, which means if the incorrect account number is provided to the sender, there’s no guarantee the funds could be recovered.

FedNow and Real-Time Payments FAQ

When are the funds from an instant payment available in my account?
Who can send a FedNow or RTP® instant payment?
What is the difference between instant payments, ACH, and Wire Transfers?

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