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ACH Return Codes

Reject Notices begin with the letter ‘R’ and indicate that the transaction was not accepted. Depending on the reason for the reject code (see below), some of these transactions may be corrected and re-submitted. Transactions that trigger a “Reject Notice” have not been processed by the customer's bank and payment was not collected from or credited to your customer’s account.

  • 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 The account number structure is not valid. The entry may fail the check digit validation or may contain an incorrect number of digits.
  • R05 RESERVED
  • 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 Acknowledgement of Entries and Entry Information) of these Rules.
  • R07 AUTHORIZATION REVOKED BY CUSTOMER RDFI's customer (the Receiver) has revoked the authorization previously provided to the Originator for this particular transaction.
  • R08 PAYMENT STOPPED or STOP PAYMENT ON ITEM The Receiver of a recurring debit transaction has the right to stop payment on any specific ACH debit. The RDFI determines that a stop payment order has been placed on the item to which the PPD debit entry constituting notice of presentment or the PPD Accounts Receivable Truncated Check Debit Entry relates.
  • 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) The RDFI has been notified by its customer, the Receiver, that the Originator of a given transaction has not been authorized to debit his account.
  • R11 CHECK TRUNCATION ENTRY RETURN (SPECIFY) or STATE LAW AFFECTING ACCEPTANCE OF PPD DEBIT ENTRY CONSTITUTING NOTICE OF PRESENTMENT or PPS ACCOUNTS RECEIVABLE TRUNCATED CHECK DEBIT ENTRY 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.
  • R12 BRANCH SOLD TO ANOTHER DFI A financial institution may continue to receive entries destined for an account at a branch that has been sold to another financial institution. Because the RDFI no longer maintains the account and is unable to post the entry, it should return the entry to the ODFI.
  • R13 RDFI NOT QUALIFIED TO PARTICIPATE
  • R14 REPRESENTATIVE PAYEE DECEASED or UNABLE TO CONTINUE IN THAT CAPACITY The 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. The representative payee is either deceased or unable to continue in that capacity. The 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; 2. 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.
  • R18 IMPROPER EFFECTIVE ENTRY DATE
  • R19 AMOUNT FIELD ERROR
  • 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 In CIE and MTE entries, the Individual ID Number is used by the Receiver to identify the account. The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.
  • 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; 1. the exact amount required has not been remitted; 1. the account is subject to litigation and the Receiver will not accept the transaction; 1. acceptance of the transaction results in an overpayment; 1. the Originator is not known by the Receiver; 1. 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.
  • R25 ADDENDA ERROR
  • R26 MANDATORY FIELD ERROR
  • R27 TRACE NUMBER ERROR
  • R28 ROUTING NUMBER CHECK DIGIT ERROR
  • R29 CORPORATE CUSTOMER ADVISES NOT AUTHORIZED The RDFI has been notified by the Receiver (non-consumer) that the Originator of a given transaction has not been authorized to debit the Receiver's account.