ACH Return Codes | Change Codes | Transaction Codes - Descriptions

US ACH Code  Canada ACH Code  Reason Description 
R01 901 Insufficient funds Available balance is not sufficient to cover the dollar amount of the debit entry
R02 905 Account closed A previously open account is now closed
R03 902 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 912 Invalid account number The account number fails the check digit validation or may contain an incorrect number of digits
R05   Unauthorized debit to consumer account A business debit entry was transmitted to a members consumer account, and the member had not authorized 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 903 Payment stopped or stop payment on item Member had previously requested a stop payment of a single or recurring entry
R09 908 Uncollected funds Available balance is sufficient, but collected balance is not sufficient to cover the entry
R10 922 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 910 Beneficiary of account holder deceased Beneficiary or Account Holder Deceased
R16 911 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  907 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 907

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  
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