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ACH Return Codes

Here they are…

 

R01: Insufficient Funds. The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.

R02: Account Closed. A previously active account has been closed by action of the customer or the RDFI.

R03: No Account/Unable to Locate Account. The account number structure is valid and it passes the check digit validation, but the account number does not correspond to the individual identified in the entry, or the account number designated is not an open account.

R04: Invalid Account number. Account number structure invalid or may fail the check digit validation.

R05: Unauthorized entry to a consumer account bearing a Corporate SEC code. Those are: CCD, CTX.

R06: Returned per ODFI’s Request The ODFI has requested that the RDFI return the ACH entry. If the RDFI agrees to return the entry, the ODFI must indemnify the RDFI according to Article Five (Return, Adjustment, Correction, and Acknowledgment of Entries and Entry Information) of these Rules.

R07: Authorization Revoked by Customer (adjustment entries) The RDFI’s customer (the Receiver) has revoked the authorization previously provided to the Originator for this particular transaction. The Receiver may request immediate credit from the RDFI for an unauthorized debit. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry.

R08: Payment Stopped or Stop Payment on Item

R09: Uncollected Funds Sufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of transactions in the process of collection (i.e., uncollected checks) brings the available and/or cash reserve balance below the dollar value of the debit entry.

R10: Customer Advises Not Authorized; Item Is Ineligible, Notice Not Provided, Signatures Not Genuine, or Item Altered (adjustment entries).

R11: Check Truncation Entry Return (Specify) To be used when returning a check truncation entry. This reason for return should be used only if no other return reason code is applicable. The RDFI should use the appropriate field in the addenda record to specify the reason for return (i.e., “exceeds dollar limit,” “no match on ARP,” “stale date,” etc.).

R12: Branch sold to another DFI.

R14: Representative Payee Deceased or Unable to continue in that capacity. Representative payee is a person or institution authorized to accept entries on behalf of one or more other persons, such as legally incapacitated adults or minor children. Representative payee is either deceased or unable to continue in that capacity. Beneficiary is not deceased.

R15: Beneficiary or Account Holder (Other Than a Representative Payee) Deceased (1) The beneficiary is the person entitled to the benefits and is deceased. The beneficiary may or may not be the account holder; or The account holder (acting in a non-representative payee capacity) is an owner of the account and is deceased.

R16: Account Frozen The funds in the account are unavailable due to specific action taken by the RDFI or by legal action.

R17: File Record Edit Criteria (Specify) Some fields that are not edited by the ACH Operator are edited by the RDFI. If the entry cannot be processed by the RDFI, the field(s) causing the processing error must be identified in the addenda record information field of the return.

R20: Non-Transaction Account. The ACH entry destined for a non-transaction account, as defined in Regulation D, would include either an account against which transactions are prohibited or limited or a pass-through where the entry is for a credit union or thrift organization and Regulation E descriptive requirements cannot be met.

R21: Invalid Company Identification. The identification number used in the Company Identification Field is not valid. This Return Reason Code will normally be used on CIE transactions.

R22: Invalid Individual ID Number. The Individual ID Number of CIE or MTE type entries is used by the Receiver (non-consumer) that a specific transaction has not been authorized by the Receiver.

R23: Credit Entry Refused by Receiver. The Receiver may return a credit entry because one of the following conditions exists: (1) a minimum amount required by the Receiver has not been remitted; (2) the exact amount required has not been remitted; (3) the account is subject to litigation and the Receiver will not accept the transaction; (4) acceptance of the transaction results in an overpayment; (5) the Originator is not known by the Receiver; or (6) the Receiver has not authorized this credit entry to this account.

R24: Duplicate Entry. The RDFI has received what appears to be a duplicate entry; i.e., the trace number, date, dollar amount and/or other data matches another transaction. This code should be used with extreme care. The RDFI should be aware that if a file has been duplicated, the Originator may have already generated a reversal transaction to handle the situation.

R29: Corporate Consumer Advises Not Authorized. The RDFI has been notified by the Receiver (non-consumer) that a specific transaction has not been authorized by the Receiver.

R31: Permissible Return Entry (CCD and CTX only). The RDFI has been notified by the ODFI that the ODFI agrees to accept a CCD or CTX return entry in accordance with Article Seven, section 7.3 (ODFI Agrees to Accept CCD or CTX Return).

R33: Return of XCK Entry The RDFI determines at its sole discretion to return an XCK entry. This return reason code may only be used to return XCK entries. An XCK entry may be returned up to sixty days after its Settlement Date.

R37: Source Document Presented for Payment The source document to which an ARC entry or a POP entry relates has been presented for payment. The Receiver may request immediate credit from the RDFI for an ARC entry or a POP entry for the reason described above. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury that the source document was presented for payment. An RDFI using this return reason code must transmit the return entry by its ACH Operator’s deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the ARC entry or the POP entry.

R38: Stop Payment on Source Document The RDFI determines that a stop payment order has been placed on the source document to which the ARC entry relates. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator’s deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the ARC entry to which the source document relates.

R39: Improper Source Document – The RDFI determines that the source document used for an ARC, BOC or POP entry to its Receiver’s account is improper pursuant to subsections 3.7.2 (Source Documents), 3.8.2 (Source Documents), and 3.9.1 (Source Documents.) An entry returned using this return reason code must be received by the RDFI’s ACH Operator by its deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the second banking day following the settlement date of original entry.

R50: State Law Affecting RCK Acceptance The RDFI is located in a state that has not adopted Revised Article 4 of the Uniform Commercial Code (1990 Official Text) and has not revised its customer agreements to allow for electronic presentment. OR The RDFI is located within a state that requires all canceled checks to a specific type of account to be returned to the Receiver within the periodic statement. An RCK entry that is returned using this Return Reason Code must be transmitted by the RDFI to its ACH Operator no later than midnight of the second banking day following the banking day of receipt of the presentment notice.

R51: Item is Ineligible, Notice Not Provided, Signature Not Genuine, Item Altered, or Amount of Entry Not Accurately Obtained from Item (adjustment entries) An RCK entry may be considered to be ineligible if (1) the item to which the RCK entry relates is not an item within the meaning of Revised Article 4 of the Uniform Commercial Code (1990 Official Text); (2) the item is not a negotiable demand draft drawn on or payable through or at a Participating DFI, other than a Federal Reserve Bank or Federal Home Loan Bank; (3) the item does not contain a pre-printed serial number; (4) the item is in an amount of $2,500 or more; (5) the item does not indicate on the face of the document that it was returned due to “Not Sufficient Funds,” “NSF,” “Uncollected Funds,” or
comparable language; (6) the item is dated more than 180 days from the date the entry is being transmitted to the RDFI (i.e., the item to which the RCK entry relates is stale dated); (7) the item is drawn on a non-Consumer Account; or (8) the item has been previously presented more than two times in its physical form, or more than one time in its physical form and more than one time as an RCK entry. OR The Originator did not provide notice as provided for within Article Three, subsection 3.5.2 (Notice Obligation). OR All signatures on the item to which the RCK entry relates are not authentic or authorized, or the item to which the RCK entry relates has been altered The amount of the RCK entry was not accurately obtained from the item. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator’s deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the RCK entry to which the item relates.

R52: Stop Payment on Item (adjustment entries) The RDFI determines that a stop payment order has been placed on the item to which the RCK entry relates. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator’s deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the RCK entry to which the item relates.

R53: Item and ACH Entry Presented for Payment (adjustment entries) In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment. The Receiver may request immediate credit from the RDFI for an RCK entry for the reason described above. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury, pursuant to subsection 7.6.5.3 (Receiver’s Written Statement Under Penalty of Perjury for RCK Entries), that both the RCK entry and the item to which it relates were presented for payment. An RDFI using this return reason code must transmit the
return entry by its ACH Operator’s deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the RCK entry.

 

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