ACH Standard Return Codes

ACH Standard Return Codes

Here’s a helpful list of ACH processing return codes, also called “R” codes.


Code

 

Description

R01

 

Insufficient Funds

R02

 

Account Closed

R03

 

No Account/Unable to Locate Account

R04

 

Invalid Account Number

R05

 

Not Currently Used

R06

 

Returned per ODFI’s Request

R07

 

Authorization Revoked by Customer

R08

 

Payment Stopped or Stop Payment

R09

 

Uncollected Funds

R10

 

Customer Advises Not Authorized

R11

 

Check Truncation Entry Return

R12

 

Branch Sold to Another DFI

R13

 

RDFI Not Qualified to Participate

R14

 

Representative Payee Deceased

R15

 

Beneficiary or Account Holder Deceased

R16

 

Account Frozen

R17

 

File Edit Criteria

R20

 

Non-Transaction Account

R21

 

Invalid Company Identification

R22

 

Invalid Individual ID Number

R23

 

Credit Entry Refused by Receiver

R24

 

Duplicate Entry

R26

 

Mandatory Field Error

R27

 

Trace Number Error

R28

 

Routing Number Check Digit Error

R29

 

Corporate Customer Advises Not Authorized

R30

 

RDFI Not Participating in Check Truncation Program

R31

 

Permissible Return Entry

R32

 

RDFI Non-Settlement

R34

 

Limited Participation DFI

R35

 

Improper Debit Entry

R36

 

Improper Credit Entry

R37

 

Source Document Presented for Payment

R38

 

Stop Payment on Source Document

R39

 

Not Currently Used

R48-R49

 

Not Currently Used

R50

 

State Law Affecting RCK Acceptance

R51

 

Item is Ineligible

R52

 

Stop Payment on Item

R53

 

Item & ACH Entry Presented for Payment

R54-R60

 

Not Currently Used

R61-R74

 

Used for Bank to Bank Communication

ACH Standard Return Codes

Code

 

Description

R01

 

Insufficient Funds

R02

 

Account Closed

R03

 

No Account/Unable to Locate Account

R04

 

Invalid Account Number

R05

 

Not Currently Used

R06

 

Returned per ODFI’s Request

R07

 

Authorization Revoked by Customer

R08

 

Payment Stopped or Stop Payment

R09

 

Uncollected Funds

R10

 

Customer Advises Not Authorized

R11

 

Check Truncation Entry Return

R12

 

Branch Sold to Another DFI

R13

 

RDFI Not Qualified to Participate

R14

 

Representative Payee Deceased

R15

 

Beneficiary or Account Holder Deceased

R16

 

Account Frozen

R17

 

File Edit Criteria

R20

 

Non-Transaction Account

R21

 

Invalid Company Identification

R22

 

Invalid Individual ID Number

R23

 

Credit Entry Refused by Receiver

R24

 

Duplicate Entry

R26

 

Mandatory Field Error

R27

 

Trace Number Error

R28

 

Routing Number Check Digit Error

R29

 

Corporate Customer Advises Not Authorized

R30

 

RDFI Not Participating in Check Truncation Program

R31

 

Permissible Return Entry

R32

 

RDFI Non-Settlement

R34

 

Limited Participation DFI

R35

 

Improper Debit Entry

R36

 

Improper Credit Entry

R37

 

Source Document Presented for Payment

R38

 

Stop Payment on Source Document

R39

 

Not Currently Used

R48-R49

 

Not Currently Used

R50

 

State Law Affecting RCK Acceptance

R51

 

Item is Ineligible

R52

 

Stop Payment on Item

R53

 

Item & ACH Entry Presented for Payment

R54-R60

 

Not Currently Used

R61-R74

 

Used for Bank to Bank Communication