This is called the ACH network and there's no way to trace, undue, or recall transactions. It has been used in bank robberies [1] and numerous financial institutions and payment processors who are not banks use it, not all of whom are trustworthy.

[1] https://www.kaspersky.com/about/press-releases/2015_the-grea...

ACH is only for internal US transfers and is absolutely reversible. Your linked article is not about that. There is of course a time limit.

ACH can be clawed back. It moves money via the FED. You can’t access it unless you’re a bank.