ACH transfers can fail for a variety of reasons: insufficient funds, inability to locate the account, or disallowed by accounts policy.
If an ACH transfer fails, and the associated Bitcoin purchase has already happened, then that purchase will be repossessed by Swan Bitcoin. You will notice those funds disappear from your Swan dashboard. If an ACH transfer fails and the Bitcoin purchase has not yet taken place, then that scheduled purchase will not take place.
We cannot accept additional funds to cover bounced purchases. It is your responsibility to ensure that the bank account on file is accurate and well funded.
To mitigate fraud and therefore keep our fees low, there are no exceptions to this policy.