ACH Return Codes

Returned ACH payments will always come with an ACH return code indicating why a customer’s payment was rejected. The most common reasons are insufficient funds, closed accounts, or invalid account information.

The table below lists all of the possible ACH return codes.

Return Code	Message
R02	Account closed A previously open account is now closed
R03	No account or unable to locate account The account number does not correspond to the individual identified in the entry or a valid account.
R04	Invalid account number The account number fails the check digit validation or may contain an incorrect number of digits
R05	Uncollected funds Available balance is sufficient, but the collected balance is not sufficient to cover the entry
R06	Returned per ODFI’s request The ODFI has requested that the RDFI return the entry
R07	Authorization revoked by customer Member who previously authorized an entry has revoked authorization with the Originator
R08	Payment stopped or stop payment on item Member had previously requested a stop payment of a single or recurring entry
R09	Uncollected funds Available balance is sufficient, but collected balance is not sufficient to cover the entry
R10	Customer advises not authorized Member advises not authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document
R11	Check truncation entry return To be used when returning a check truncation entry
R12	Branch sold to another DFI RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution
R13	Invalid ACH routing number Financial institution does not receive commercial ACH entries
R14	Representment payee deceased or unable to continue in that capacity Representative payee is deceased or unable to continue in that capacity, beneficiary is not deceased
R15	Beneficiary of account holder deceased Beneficiary or Account Holder Deceased
R16	Account frozen Access to account is restricted due to specific action taken by the RDFI or by legal action
R17	File record edit criteria Fields rejected by RDFI processing (identified in return addenda)
R18	Improper effective entry date Entries have been presented prior to the first available processing window for the effective date.
R19	Amount field error Improper formatting of the amount field
R20	Nontransaction account Policies or regulations (such as Regulation D) prohibit or limit activity to the account indicated
R21	Invalid company identification The company ID information not valid (normally CIE entries)
R22	Invalid individual ID number Individual id used by receiver is incorrect (CIE entries)
R23	Credit entry refused by receiver Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account
R24	Duplicate entry RDFI has received a duplicate entry
R25	Addenda error Improper formatting of the addenda record information
R26	Mandatory field error Improper information in one of the mandatory fields
R27	Trace number error Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record
R28	Routing number or check digit error Check digit for the transit routing number is incorrect
R29	Corporate customer advises not authorized RDFI has been notified by business account holder that a specific transaction is unauthorized
R30	RDFI not participant in check truncation program Financial institution not participating in automated check safekeeping application
R31	Permissible return entry RDFI has been notified by business account holder that a specific transaction is unauthorized
R32	RDFI nonsettlement RDFI is not able to settle the entry
R33	Return of XCK entry RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date if the XCK entry
R34	Limited participation DFI RDFI participation has been limited by a federal or state supervisor
R35	Return of improper debit entry ACH debit not permitted for use with the CIE standard entry class code (except for reversals)
R36	Return of improper credit entry
R37	Source Document Presented for Payment Check used for an ARC, BOC or POP entry has also been presented for payment
R38	Stop payment on source document Stop payment has been placed on a check used for an ARC entry
R40	Return of ENR entry by federal government agency (ENR only)
R41	Invalid transaction code (ENR only)
R42	Routing number or check digit error (ENR only)
R43	Invalid DFI account number (ENR only)
R44	Invalid individual ID number (ENR only)
R45	Invalid individual name/company name (ENR only)
R46	Invalid representative payee indicator (ENR only)
R47	Duplicate enrollment
R50	State law affecting RCK acceptance
R51	Item is ineligible, notice not provided, signature not genuine
R52	Stop payment on item
R61	Misrouted return Return entry was sent by RDFI to an incorrect ODFI routing/transit number
R62	Incorrect trace number
R63	Incorrect dollar amount
R64	Incorrect individual identification
R65	Incorrect transaction code
R66	Incorrect company identification
R67	Duplicate return ODFI has received more than one return entry for the same original entry
R68	Untimely return Return entry did not meet the return deadline
R69	Multiple errors
R70	Permissible return entry not accepted
R71	Misrouted dishonored return
R72	Untimely dishonored return
R73	Timely original return
R74	Corrected return
R80	Cross-border payment coding error
R81	Nonparticipant in cross-border program
R82	Invalid foreign receiving DFI identification