Not fair, but perhaps a little bit of context will help. In typical cases, let’s say if you were originating this transaction via ACH, had it been a fraudulent one, after 90 days you would have no recourse.

In the event they suspect your transaction is flagged as fraudulent, they would not let it go through, but hold on to the money for 90 days and then reimburse it to you. The goal is if any claims or counterclaims on the account came within 90 days, TF would have the money to refund. After 90 days, the statute of limitations so to speak on challenging the transfer is eliminated.