AP-ACH returns and reconciliation

Looking thru the prior posts in community, I see the below solution was offered for ACH returns. However, I'm wondering if anyone has implemented a procedure for AP ACH returns besides the solution offered? We are currently working with the bank to get our ACH's returned in detail instead of summarized format.

Solution:

Create two external transactions for 30 which from an accounting perspective are offsetting.  This is done by the accounting template that is assigned to the transaction.

Banking > Reconcile Statements > External Transactions

Using Semi-Manual Reconcile, reconcile the original bank statement line to the AP payment and the one external transaction representing the ACH payment.  Also reconcile the bank statement line for the ACH return to the external transaction representing the ACH return.