LEXIS 341, at *17 (“pursuant in order to NACHA Functioning Rules Of relevance here, the NACHA Rules require RDFIs, like the Defendant, to honor all debits presented subject to a right of return. NACHA Rule 3.1.1; Affinion Gurus Class, LLC, 784 F. Supp. 2d at 876 (RDFIs must honor ACH debits based on the warranties […]