Not sure what you mean by "reversed". You have 60 days to tell your bank the transaction wasn't authorized, iirc, and you should get reimbursed. It might just be a hassle and it likely wouldn't be quick.

I've only had to deal with credit card fraud in the US and it was easy enough.

I did have a restaurant accidentally charge me $983 instead of $98.30 on a debit card for a meal during a holiday and, even though they immediately voided it, that still ended up basically blocking almost $1000 for several days. I can't imagine reversing an ACH transaction would be faster.

Overall I have no huge complaints about banking in the US. I just find it better in Europe so far, particularly sending money with IBANs.