Standard ACH Return Codes

R01

Insufficient Funds

The available balance is not enough to cover the debit entry.

R02

Account Closed

The account has been closed and cannot receive or process payments.

R03

No Account / Unable to Locate

Account number format is valid, but the account does not exist.

R04

Invalid Account Number

Invalid or improperly formatted account number.

R05

Unauthorized Debit Entry

Customer did not authorize the debit.

R06

Returned per ODFI Request

ODFI requested the return of the entry.

R07

Authorization Revoked

Consumer has revoked authorization for this payment.

R08

Payment Stopped

Payment was stopped by the account holder.

R09

Uncollected Funds

Account has sufficient balance, but funds are unavailable.

R10

Customer Advises Not Authorized

Customer claims they did not authorize the payment.

R11

Check Truncation Return

Problem with an image-based check transaction.

R12

Branch Sold to Another DFI

Branch/account no longer exists due to acquisition or sale.

R13

Invalid ACH Routing Number

Routing number is incorrect or no longer active.

R14

Representative Payee Deceased

The payee (acting on behalf of someone else) has died.

R15

Beneficiary Deceased

The actual intended recipient of funds has passed away.

R16

Account Frozen

Account has legal or regulatory hold.

R17

File Record Edit Criteria

Record could not be processed due to formatting or data errors.

R18

Improper Effective Entry Date

The transaction date is invalid.

R19

Amount Field Error

Non-numeric or improperly formatted amount.

R20

Non-Transaction Account

Account type doesn't support ACH transactions.

R21

Invalid Company ID

The Company ID does not match RDFI’s records.

R22

Invalid Individual ID Number

The individual ID (SSN, TIN) is invalid.

R23

Credit Entry Refused by Receiver

Receiver refused the funds—wrong amount, date, or reason.

R24

Duplicate Entry

Entry appears to be a duplicate of a previous transaction.

R25

Addenda Error

Addenda record is invalid or improperly formatted.

R26

Mandatory Field Error

Required information is missing or incorrect.

R27

Trace Number Error

Trace number is invalid or missing.

R28

Routing Number Check Digit Error

Invalid check digit in routing number.

R29

Corporate Customer Refused Payment

Business account rejected an unauthorized debit.

R30

RDFI Not Participating

The receiving bank doesn’t participate in ACH transactions.

R31

Permissible Return Entry

Entry returned within NACHA time window and rules.

R32

RDFI Non-Settlement

Bank is unable to settle the entry.

R33

Return of XCK Entry

Return of a Destroyed Check Entry.

R34

Limited Participation DFI

Receiving bank cannot process certain ACH entries.

R35

Return of Improper Debit

Debit to a government benefit account not permitted.

R36

Return of Improper Credit

Credit to a government benefit account not permitted.

R37

Source Document Presented for Payment

Original check already paid and now also attempted via ACH.

R38

Stop Payment on Source Document

Stop payment placed on check used in ACH conversion.

R39

Improper Source Document

Check used for conversion was ineligible or invalid.

R40

Non-Participant in ENR Program

RDFI doesn’t participate in Electronic Enrollment (ENR) program.

R41

Invalid Transaction Code

ACH transaction code is not valid for the account type.

R42

Routing Check Digit Error

Invalid check digit in transit/routing number.

R43

Invalid DFI Account Number

Account number structure is incorrect or unrecognized.

R44

Invalid Individual ID Number

Incorrect individual identification used in enrollment.

R45

Invalid Individual Name

Name does not match account records.

R46

Invalid Representative Payee Indicator

Error in identifying the payee as a representative.

R47

Duplicate Enrollment

Duplicate enrollment request received.

R50

State Law Affects RCK Acceptance

State regulations prevent RCK entry from being processed.

R51

Ineligible/Improper Item or Signature

Item altered, signature invalid, or proper notice not provided.

R52

Stop Payment on Item

Stop payment request placed on the item being converted.

R61

Misrouted Return

Return entry was sent to the wrong ODFI.

R62

Incorrect Trace Number

Trace number does not match original entry.

R63

Incorrect Dollar Amount

Returned amount does not match original transaction.

R64

Incorrect Individual Identification

Identification info does not match original entry.

R65

Incorrect Transaction Code

Transaction code used does not match the entry type.

R66

Incorrect Company Identification

Company ID differs from original entry.

R67

Duplicate Return

Same return was submitted more than once.

R68

Untimely Return

Entry returned outside the permissible time frame.

R69

Multiple Errors

More than one error occurred in the returned entry.

R70

Permissible Return Entry Not Accepted

ODFI refused the return even though it was valid.

R71

Misrouted Dishonored Return

Dishonored return sent to the wrong institution.

R72

Untimely Dishonored Return

Dishonored return sent outside of allowed timeframe.

R73

Timely Original Return

Return of original entry was processed on time.

R74

Corrected Return

Return has been corrected and resubmitted properly.

R80

Cross-Border Coding Error

Improperly coded cross-border ACH payment.

R81

Non-Participant in Cross-Border Program

RDFI does not participate in international ACH transactions.

R82

Invalid Foreign Receiving DFI ID

Incorrect DFI ID used for international payment.

R83

Foreign Receiving DFI Unable to Settle

Receiving foreign DFI is unable to complete the settlement.