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Return Reason Codes
R01 – Insufficient Funds
Available balance is not sufficient to cover the dollar value of the debit entry.
R02 – Account Closed
Previously active account has been closed by customer or bank.
R03 – No Account/Unable to Locate Account
Account number structure is valid and passes editing process, but does not correspond to individual or is not an open account.
R04 – Invalid Account Number
Account number structure not valid; entry may fail check digit validation or may contain an incorrect number of digits.
R05 – Improper Debit to Consumer Account
A CCD, CTX, or CBR debit entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.
R06 – Returned per ODFI’s Request
ODFI has requested RDFI to return the ACH entry (optional to RDFI – ODFI indemnifies RDFI).
R07 – Authorization Revoked by Customer
Consumer, who previously authorized ACH payment, has revoked authorization from Originator (must be returned no later than 60 days from settlement date and customer must sign affidavit).
R08 – Payment Stopped
Receiver of a recurring debit transaction has stopped payment to a specific ACH debit. RDFI should verify the Receiver’s intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization.
R09 – Uncollected Funds
Sufficient book or ledger balance exists to satisfy dollar value of the transaction, but the dollar value of transaction is in process of collection (i.e., uncollected checks) or cash reserve balance below dollar value of the debit entry.
R10 – Customer Advises Not Authorized
Consumer has advised RDFI that Originator of transaction is not authorized to debit account (must be returned no later than 60 days from settlement date of original entry and customer must sign affidavit).
R11 – Check Truncation Entry Returned
Used when returning a check safekeeping entry; RDFI should use appropriate field in addenda record to specify reason for return (i.e., “exceeds dollar limit,” “stale date,” etc.).
R12 – Branch Sold to Another DFI
Financial institution receives entry destined for an account at a branch that has been sold to another financial institution.
R13 – RDFI
Not Qualified to Participate
R14 – Account-holder Deceased
[Representative Payee Deceased or Unable to Continue in that
Capacity] – Account-holder is deceased (used in the event of death of a Representative Payee. guardian, or trustee).
R15 – Beneficiary Deceased
[Beneficiary or Account Holder (Other Than a Representative Payee) Deceased] – Beneficiary entitled to payments is deceased.
R16 – Account Frozen
Funds unavailable due to specific action by the RDFI or by legal action.
R17 – File Record Edit Criteria -
Fields not edited by the ACH Operator are edited by the RDFI; field(s) causing processing error must be identified in the addenda record of return.
R18 – Improper Effective Entry Date
R19 – Amount Field Error
R20 – Non Transaction Account
ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).
R21 – Invalid Company Identification
Number used in the Company ID field in error.
R22 – Invalid Individual ID Number
In CIE entry the Individual ID Number is used by the Receiver to identify the account; Receiver has indicated to RDFI that number Originator identified is not correct.
R23 – Credit Entry Refused by Receiver
Receiver refuses credit entry because of one of the following conditions: (1) minimum amount required by Receiver has not been remitted, (2) exact amount required has not been remitted, (3) account subject to litigation and Receiver will not accept transaction, (4) acceptance of transaction results in overpayment, (5) Originator is not known by Receiver, or (6) Receiver has not authorized the credit entry.
R24 – Duplicate Entry
RDFI has received what appears to be a duplicate entry (i.e., trace number, date, dollar amount and/or other data matches another transaction).
R25 – Addenda Error
R26 – Mandatory Field Error
R27 – Trace Number Error
R28 – Routing Number Check Digit Error
R29 – Corporate Customer Advises Not Authorized -
RDFI has been notified by Receiver (non-consumer) that entry was not authorized.
R30 – RDFI Not Participant in Check Truncation Program
R31 – Permissible Return Entry (CCD and CTX only)
RDFI has been notified by ODFI that ODFI agrees to accept a return entry beyond normal return deadline.
R32 – RDFI Non-Settlement
R33 – Return of XCK Entry
RDFI, at its discretion, returns an XCK entry (code only used for XCK returns) XCK entries may be returned up to 60 days after settlement date.
R34 – Limited Participation DFI
R35 – Return of Improper Debit Entry
R36 – Reserved
R37 – Reserved
The source document to which an ACH entry relates has been presented for payment.
R38 – STOP PAY (ARC) – STOP PAY (ARC)
R39 – Reserved
Non-Participant in ENR Program (ENR only) [Return of ENR Entry by Federal Government Agency (ENR only)]
R41 – Invalid Transaction Code (ENR only)
R42 – Routing Number/Check Digit Error (ENR only)
R43 – Invalid DFI Account Number (ENR only)
Invalid Individual ID Number (ENR only)[Invalid Individual ID Number/Identification Number (ENR only)]
Invalid Individual Name (ENR only) [Invalid Individual Name/Company Name (ENR only)]
R46 – Invalid Representative Payee Indicator (ENR only)
R47 – Duplicate Enrollment (ENR only)
R48 – Reserved
R49 – Reserved
R50 – State Law Affecting RCK Acceptance
RDFI is in one of the states that have not accepted the Uniform Commercial Code and hasn’t revised its consumer agreements to allow for electronic presentment, OR the RDFI is in a state that requires all canceled checks to be returned in the consumer statement.
R51 – Item is Ineligible
Notice Not Provided, Signatures Not Genuine, Item Altered or Amount of RCK Entry not Accurately Obtained From the Item
R52 – Stop Payment
RDFI determines that a stop payment has been placed on the item to which the RCK entry relates. RDFI has 60 days following settlement to return.
R53 – Paper backup missing or not in agreement
In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment.
R54 – Reserved
R55 – Reserved
R56 – Reserved
R57 – Reserved
R58 – Reserved
R59 – Reserved
Dishonored Return Codes
R60 – Reserved
R61 – Misrouted Return
RDFI of the original entry has placed the incorrect transit/routing number in the Receiving DFI Identification field.
R62 – Incorrect Trace Number
Trace Number found in positions 07-21 in the addenda record of the Return is different from the trace number of the original entry.
R63 – Incorrect Dollar Amount
Dollar amount in the Entry Detail Record of the Return is different from the dollar amount of the original entry.
R64 – Incorrect Individual Identification
Individual ID number reflected in the Entry Detail Record of the Return is different from the Individual ID number used in the original entry.
R65 – Incorrect Transaction Code
Transaction Code in the Entry Detail Record of the Return is not the return equivalent of the Transaction Code in the original entry. (All entries must be returned as received: i.e., credit as credit, debit as debit, demand as demand, savings as savings.)
R66 – Incorrect Company Identification
Company ID number used in the Company/Batch Header Record of the Return is different from the ID number used in the original entry.
R67 – Duplicate Return
ODFI has received more than one return for the same entry.
R68 – Untimely Return
Return was not sent within the time frame established by the rules.
R69 – Multiple Errors
Two or more fields are incorrect (i.e. original entry trace number, amount,
individual ID number, company ID and/or Transaction Code).
R70 – Permissible Return Entry Not Accepted
R71 – Misrouted Dishonored Return
R72 – Untimely Dishonored Return
R73 – Timely Original Return
R74 – Corrected Return
R80 – CROSS BORDER CODING ERROR
R81 – NON-PARTICIPANT IN CROSS-BORDER PROGRAM
R82 – INVALID FOREIGN RECEIVING DFI INDENTIFICATION
R83 – FOREIGN RECEIVING DFI UNABLE TO SETTLE
C01 – Corrected Account
C02 – Corrected Routing
C03 – Corrected Routing and Account
C04 – Corrected Name
C05 – Corrected Tran Code
C06 – Corrected Account and Tran Code
C07 – Corrected Routing, Account, and Tran Code
C08 – Corrected Foreign Routing
C09 – Corrected Individual ID Number
C10 – Corrected Company Name
C11 – Corrected Company ID
C12 – Corrected Company Name and Company ID
C13 – Addenda Format Error
C61 – Misrouted Notification Of Change
C62 – Incorrect Trace Number
C63 – Incorrect Company Identification Number
C64 – Incorrect Individual Identification Number
C65 – Incorrectly formatted Corrected Data
C66 – Incorrect Discretionary Data
C67 – Routing Number not from Original Entry Detail Record
C68 – DFI Account Number not from Original Entry Detail Record
C69 – Incorrect Transaction Code
Internal Codes for Rejected Transactions
I00 – PREVIOUSLY RECEIVED R02,R03,R04,R20 ON THIS ACCOUNT (RCK)
I01 – Invalid Amount
I02 – Transaction Still Pending
I03 – Check Represented Maximum Times
I04 – Max Check Amount Exceeded
I05 – Max Fee Exceeded
I06 – Invalid Date
I07 – Transaction Too Old
I08 – Invalid Routing Number
I09 – Duplicate in Batch
I10 – Duplicate from Other Customer
I11 – Fee Rejected for Invalid Check
I12 – Duplicate in POS Batch
I13 – VOIDED POS Transaction
I14 – Invalid Account Number
I15 – Invalid Check Number
I16 – Missing Amount
I17 – Invalidated per Request
I18 – Item PAID
I19 – Reserved
I20 – Item Refunded
I23 – PREVIOUSLY RECEIVED ARC/LBX TRANSACTION
I24 – PREVIOUSLY RECEIVED R02,R03,R04,R20 ON THIS ACCOUNT (RCK)
I25 – PREVIOUSLY RECEIVED R02,R03,R04,R20 ON THIS ACCOUNT (EFT)
I26 – EFT Received within Window
I27 – EFT Too old
I28 – Void Transaction Successful
I29 – Void Could Not Be Matched
I30 – POS Batch Duplicated (re-processed)
I31 – LOCKBOX AMT OVER 5000
I32 – RCK NAME MISSING
I33 – REMOTE DEPOSIT AMOUNT OVER LIMIT
I40 – PREV RECVD R07,R08,R10 ON THIS ACCOUNT
I41 – RCK Over 120 days old
I60 – RCK Fee Sent as Paper Draft