Answer:
As to the micro deposits, no authorization is required since the Originator and the Receiver are natural persons (the same natural person, in this case). OR 2.3.2.1 - Credit Entries
Once the consumer is up and running with ACH entries, it's possible that both credits (transfers from his account with you to his account at the other bank) and debits (transfers in the other direction) could be originated. As noted, the credits would not require an authorization by the Receiver. If the RDFI were to ask for a copy of the authorization for a debit entry to the customer's account at that bank, you could provide an extract from a log of customer-generated ACH entries as evidence of the authorization, or you could simply provide a copy of the customer's request for ACH generation access to accounts in his name at other banks. I think that will show that the individual (who will be the Receiver at those banks) provided the authorization.
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