Are there any banks which offer ACH debit blocks or filters on consumer (as opposed to business/organization) accounts?
The idea is that, on certain accounts, it would be possible to restrict the electronic debit of funds.
Is there an equivalent covering all debits on an account? (i.e. check, withdrawal, etc.)
The technical feature exists to (1)block all ACH activity, (2)block all ACH credits, or (3)block all ACH debits attempting to post to the deposit account. The large financial institutions will not deviate from their company policies and won't offer something like this for a personal account. The smaller institutions and credit unions are much more willing to discuss options. Especially if you maintain a large deposit balance or have many products with the institution, you might convince them this feature is very important and insist they block all ACH activity on your account.
This feature is used frequently on controlled asset accounts where the balance must be frozen for a variety of reasons.
