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ACH Return Codes

CodeDescriptionExplanationInitiated By
R01Insufficient FundsThe available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry.RDFI
R02Account ClosedA previously active account has been closed by action of the customer or the RDFI.RDFI
R03No Account/ Unable to Locate AccountThe 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 existing account.RDFI
R04Invalid Account Number StructureThe account number structure is not valid.RDFI
R05Unauthorized Debit to Consumer Account Using Corporate SEC CodeCCD or CTX debit Entry was Transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.RDFI
R06Returned per ODFI’s RequestThe ODFI has requested that the RDFI return an Erroneous Entry, or a credit Entry originated without the authorization of the Originator.RDFI
R07Authorization Revoked by CustomerThe RDFI’s customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry.RDFI
R08Payment StoppedThe Receiver has placed a stop payment order on this debit Entry.RDFI
R09Uncollected FundsA sufficient ledger balance exists to satisfy the dollar value of the transaction, but the available balance is below the dollar value of the debit Entry.RDFI
R10Customer Advises Unauthorized, Improper, Ineligible, or Part of an Incomplete Transaction Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s AccountThe RDFI has been notified by the Receiver that the Entry is unauthorized, improper, ineligible, or part of an Incomplete Transaction.The RDFI has been notified by the Receiver that the Receiver does not know the identity of the Originator; has no relationship with the Originator; or has not authorized the Originator to debit his account.For ARC and BOC entries, the RDFI has been notified by the Receiver that the signature on the source document is not authentic, valid, or authorized.For POP Entries, the RDFI has been notified by the Receiver that the signature on the written authorization is not authentic, valid, or authorized.RDFI
R11Check Truncation Entry Return Customer Advises Entry Not in Accordance with the Terms of the AuthorizationThis Return Reason Code is used when returning a Check truncation Entry.The RDFI has been notified by the Receiver that the Originator and Receiver have a relationship and an authorization to debit exists, but there is an error or defect in the payment such that the entry does not conform to the terms of the authorization (for example, the entry is for an amount different than authorized; the entry was initiated for settlement earlier than authorized; the entry is part of an Incomplete Transaction; the debit entry was improperly reinitiated; for ARC, BOC, or POP entries: ineligible source document, notice was not provided; amount of the entry was not accurately obtained from the source document.RDFI
R12Account Sold to Another DFIA financial institution received an Entry to an account that was sold to another financial institution.RDFI
R13Invalid ACH Routing NumberEntry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number.ACH Operator
R14Representative Payee Deceased or Unable to Continue in That CapacityThe representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.RDFI
R15Beneficiary or Account Holder (Other Than a Representative Payee) Deceased(1) The beneficiary is deceased; or (2) the account holder is deceased.RDFI
R16Account Frozen/Entry Returned Per OFAC Instruction(1) Access to the account is restricted due to specific action taken by the RDFI or by legal action; or (2) OFAC has instructed the RDFI or Gateway to return the Entry.RDFI or Gateway
R17File Record Edit Criteria/Entry with Invalid Account Number Initiated Under Questionable Circumstances(1) Field(s) cannot be processed by RDFI; or (2) the Entry contains an invalid DFI Account Number (account closed/no account/unable to locate account/invalid account number) and is believed by the RDFI to have been initiated under questionable circumstances.RDFI
R18Improper Effective Entry Date(1) The Effective Entry Date for a credit Entry is more than two Banking Days after the Banking Day of processing as established by the Originating ACH Operator; or (2) the Effective Entry Date for a debit Entry is more than one Banking Day after the processing date.ACH Operator
R19Amount Field Error(1) Amount field is non-numeric. (2) Amount field is not zero in a Prenotification, DNE, ENR, Notification of Change, refused Notification of Change, or zero dollar CCD, CTX, or IAT Entry.(3) Amount field is zero in an Entry other than a Prenotification, DNE, ENR, Notification of Change, Return, dishonored Return, contested dishonored Return, or zero dollar CCD, CTX, or IAT Entry.(4) Amount field is greater than $25,000 for ARC, BOC, and POP Entries.ACH Operator
R20Non-Transaction AccountACH Entry to a non-Transaction Account.RDFI
R21Invalid Company IdentificationThe Identification Number used in the Company Identification Field is not valid.RDFI
R22Invalid Individual ID NumberThe Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.RDFI
R23Credit Entry Refused by ReceiverAny credit Entry that is refused by the Receiver may be returned by the RDFI.RDFI
R24Duplicate EntryThe 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.RDFI
R25Addenda ErrorAddenda Record Indicator value is incorrect.Addenda Type Code is invalid, out of sequence, or missing.Number of Addenda Records exceeds allowable maximum Addenda Sequence Number is invalid.ACH Operator
R26Mandatory Field ErrorErroneous data or missing data in a mandatory field.ACH Operator
R27Trace Number Error(1) Original Entry Trace Number is not present in the Addenda Record on a Return or Notification of Change Entry; or (2) Trace Number of an Addenda Record is not the same as the Trace Number of the preceding Entry Detail Record.ACH Operator
R28Routing Number Check Digit ErrorThe check digit for a routing number is not valid.ACH Operator
R29Corporate Customer Advises Not AuthorizedThe RDFI has been notified by the Receiver (Non-Consumer) that a specific Entry has not been authorized by the Receiver.RDFI
R30RDFI Not Participant in Check Truncation ProgramThe RDFI does not participate in a Check Truncation Program.ACH Operator
R31Permissible Return Entry (CCD and CTX only)The RDFI may return a CCD or CTX Entry that the ODFI agrees to accept.RDFI
R32RDFI Non-SettlementThe RDFI is not able to settle the Entry.ACH Operator
R33Return of XCK EntryThis Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion.RDFI
R34Limited Participation DFIThe RDFI’s participation has been limited by a federal or state supervisor.ACH Operator
R35Return of Improper Debit EntryDebit Entries (with the exception of Reversing Entries) are not permitted for CIE Entries or to loan accounts.ACH Operator
R36Return of Improper Credit EntryACH credit Entries (with the exception of Reversing Entries) are not permitted for use with ARC, BOC, POP, RCK, TEL, and XCK.ACH Operator
R37Source Document Presented for PaymentThe source document to which an ARC, BOC, or POP Entry relates has been presented for payment.RDFI
R38Stop Payment on Source DocumentThe RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates.RDFI
R39Improper Source Document/Source Document Presented for PaymentThe RDFI determines that:(1) the source document used for an ARC, BOC, or POP Entry to its Receiver’s account is improper, or (2) an ARC, BOC, or POP Entry relates have both been presented for payment and posted to the Receiver’s account.RDFI
R40Return of ENR Entry by Federal Government AgencyThis Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion.Federal Government Agency
R41Invalid Transaction CodeEither the Transaction Code included in Field 3 of the Addenda Record does not conform to the ACH Record Format Specifications contained in Appendix Three (ACH Record Format Specifications) or it is not appropriate regarding an Automated Enrollment Entry.Federal Government Agency
R42Routing Number/Check Digit ErrorThe Routing Number and the Check Digit included in Field 3 of the Addenda Record is either not a valid number or it does not conform to the Modulus 10 formula.Federal Government Agency
R43Invalid DFI Account NumberThe Receiver’s account number included in Field 3 of the Addenda Record must include at least one alphameric character.Federal Government Agency
R44Invalid Individual ID Number/Identification NumberThe Individual ID Number/Identification Number provided in Field 3 of the Addenda Record does not match a corresponding ID number in the Federal Government Agency’s records.Federal Government Agency
R45Invalid Individual Name/Company NameThe name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency’s records or fails to include at least one alphameric character.Federal Government Agency
R46Invalid Representative Payee IndicatorThe Representative Payee Indicator Code included in Field 3 of the Addenda Record has been omitted or it is not consistent with the Federal Government Agency’s records.Federal Government Agency
R47Duplicate EnrollmentThe Entry is a duplicate of an Automated Enrollment Entry previously initiated by a DFI.Federal Government Agency
R50State Law Affecting RCK Acceptance(1) 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 (2) 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.RDFI
R51Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper.An RCK Entry is ineligible or improper.RDFI
R52Stop Payment on Item Related to RCK EntryA stop payment order has been placed on the item to which the RCK Entry relates.RDFI
R53Item and RCK Entry Presented for PaymentIn addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment.RDFI

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