Which of the following is not a category of ACH fraud?

Payroll fraud is not typically classified as a category of ACH fraud. ACH (Automated Clearing House) fraud usually refers to manipulations or crimes specifically related to electronic funds transfer through the ACH network.

Unauthorized transactions involve accessing an account without permission to perform withdrawals or transfers. Returns or the 60-day right of recredit refer to situations where consumers can dispute unauthorized ACH transactions, leading to a potential credit back to their account. Transaction-level fraud includes activities that manipulate individual ACH transactions, possibly by altering details or perpetrating unauthorized transfers.

While payroll fraud can occur and may involve misuse of ACH transactions related to payroll deposits, it is not exclusively defined within the statutes or categories of ACH fraud itself. It is broader in scope and can involve various types of deceitful activities beyond just the electronic transfer of funds.