Merge pull request Expensify#72371 from Expensify/stephanieelliott-patch-2

[No QA] Update Reimburse-Reports.md

Author: muttmuure

docs/articles/expensify-classic/bank-accounts-and-payments/payments/Reimburse-Reports.md

@@ -1,12 +1,12 @@
 ---
 title: How to Reimburse Reports in Expensify
 description: Learn how to reimburse employee reports in Expensify using direct deposit, global transfers, Venmo, ABA files, or manual methods.
-keywords: [Expensify Classic, reimburse reports, direct deposit, ACH, global reimbursement, Venmo, ABA file]
+keywords: [Expensify Classic, reimburse reports, direct deposit, ACH, global reimbursement, Venmo, ABA file, locked account, failed debits, unlock]
 ---
 
 You can reimburse submitted and approved reports in Expensify using direct deposit (USD or international), third-party payment tools like Venmo, or manual methods such as payroll tracking or ABA batch files.
 
-# Reimburse via Direct Deposit (USD)
+# How to reimburse reports via direct deposit (USD)
 
 ## Setup requirements
 - **Reimburser** must [connect a verified business bank account](https://help.expensify.com/articles/expensify-classic/bank-accounts-and-payments/bank-accounts/Connect-US-Business-Bank-Account).
@@ -16,7 +16,7 @@ You can reimburse submitted and approved reports in Expensify using direct depos
 
 ## Steps
 1. Open the approved report.
-2. Click **Reimburse** > **Via Direct Deposit**.
+2. Click **Reimburse** > **via direct deposit**.
 3. Confirm the bank account.
 4. Click **Accept Terms & Pay**.
 
@@ -49,7 +49,7 @@ For international bank transfers.
 
 ## Steps
 1. Open the approved report.
-2. Click **Reimburse** > **Via Direct Deposit**.
+2. Click **Reimburse** > **via direct deposit**.
 3. Confirm the recipient’s bank account.
 4. Click **Accept Terms & Pay**.
 
@@ -94,6 +94,8 @@ Your account may be locked due to a failed withdrawal (e.g., insufficient funds
   1. Go to **Settings > Account > Wallet**
   2. Click **Fix** next to the locked account
   3. Concierge will review and update the account within 4–5 business days
+ 
+> **Note:** If a reimbursement debit fails, we must wait for the bank to return the attempt before another debit can be retried. We cannot manually trigger a new debit while the previous one is still pending.
 
 ## Who can reimburse reports?
 Only Workspace Admins with a verified business bank account can reimburse reports.

docs/articles/new-expensify/wallet-and-payments/Unlock-a-Business-Bank-Account.md

@@ -1,14 +1,14 @@
 ---
 title: Unlock a Business Bank Account
 description: Learn how to resolve issues with a locked business bank account in Expensify.
-keywords: [New Expensify, unlock bank account, reimbursements, direct debit, ACH, bank rejected withdrawal]
+keywords: [New Expensify, unlock bank account, reimbursements, direct debit, ACH, bank rejected withdrawal, retry debit]
 ---
 
 When you reimburse a report, Expensify initiates a withdrawal from your connected business bank account. If your bank rejects this withdrawal—due to **insufficient funds**, **missing authorization**, or **direct debit restrictions**—your account will be **locked** until the issue is resolved.
 
 ---
 
-# Why Is My Bank Account Locked?
+# Why is the business bank account locked?
 
 Common reasons include:
 
@@ -20,7 +20,7 @@ When this occurs, Expensify pauses reimbursements and locks the verified account
 
 ---
 
-# How to Request an Unlock
+# How to request an unlock
 
 To unlock your account:
 
@@ -29,28 +29,36 @@ To unlock your account:
 
 This sends a request to the Expensify support team. A Concierge agent will contact you with the next steps.
 
-> **Note:** Unlocking a bank account may take several business days due to ACH processing timelines and clawback periods.
+> **Note:** Unlocking a bank account may take several business days due to ACH processing timelines and return periods.
+
+# When will the account unlock?
+
+After we receive confirmation from your bank that a debit has successfully settled, your business bank account will unlock automatically and reimbursements will resume.
+
+> **Note:** If a reimbursement debit fails, we must wait for the bank to return the attempt before another retry can be triggered. We cannot manually initiate a new debit while a previous one is still processing.
+
+Once the previous attempt is returned by the bank, Concierge will notify you in your chat. At that point, you’ll be asked to confirm whether you’d like us to retry the debit. Once confirmed, we’ll proceed with the next attempt.
 
 ---
 
-# Enable Direct Debit with Your Bank
+# Enable direct debit with your bank
 
 To ensure your bank allows direct debit from Expensify, share the following ACH details with your financial institution:
 
-### For Reimbursements via Expensify:
+### For reimbursements via Expensify:
 
 - **ACH Company IDs**:  
   `1270239450`, `4270239450`, `2270239450`  
 - **ACH Originator Name**: `Expensify`
 
-### For Bill Payments via Stripe:
+### For bill payments via Stripe:
 
 - **ACH Company IDs**:  
   `1800948598`, `4270465600`  
 - **ACH Originator Name**: `expensify.com`  
 - [Stripe ACH ID Reference](https://support.stripe.com/questions/ach-direct-debit-company-ids-for-stripe)
 
-### For International Reimbursements via CorPay:
+### For international reimbursements via CorPay:
 
 - **ACH Company IDs**:  
   `1522304924`, `2522304924`