ACH Return Reason Codes

Received Returns Codes

Code	Description	Additional Information
R01	Insufficient Funds	Available balance not sufficient to cover amount of entry
R02	Account Closed	Previously active account is closed
R03	No Account/Unable to Locate Account	Account number does not match an open account
R04	Invalid Account Number Structure	Account number structure is not valid
R05	Unauthorized Debit to Consumer Acct Using Corporate Code	Unauthorized corporate entry transmitted to consumer account
R06	Return requested by ODFI (Recall)	ODFI requested that the RDFI return an entry
R07	Authorization Revoked by Customer	Consumer claims authorization was already terminated
R08	Payment Stopped	Receiver requested the debit be stopped prior to the entry posting
R09	Uncollected Funds	Uncollected item brings available balance below amount of entry
R10	Customer Advises Originator is Not Known to Receiver and/or is Not Authorized by Receiver to Debit Receiver's Account	Consumer advises that there is no authorization for a payment
R11	Customer Advises Entry Not in Accordance with the Terms of the Authorization	Consumer advises that there is an error with a payment
R12	Account/Branch sold to another financial institution	RDFI no longer maintains the account
R14	Representative Payee Deceased or Unable to Continue in That Capacity	Representative Payee of government payment deceased
R15	Account Holder/Beneficiary Deceased	Beneficiary or account holder deceased
R16	Account Frozen/Entry Returned Per OFAC Instruction	Funds unavailable due to action by RDFI or other legal action
R17	File record edit criteria	Entry cannot be processed by RDFI. Reason should be specified in addenda
R20	Non-Transaction Account	Policies or regulations restrict activity to account indicated
R21	Invalid company identification	ID in Company ID Field is not valid
R23	Credit Entry Refused by Receiver	Receiver requests to return credit entry
R24	Duplicate Entry	Condition exists that the Receiver will not accept the payment
R29	Corporate Customer Advises Not Authorized	Specific payment not authorized by Receiver (Company)
R31	Permissible return entry	ODFI agrees to accept a return after the deadline
R33	Return of XCK Entry	RDFI, at its discretion, returns an XCK entry. XCK entries may be returned up to 60 days after settlement date
R37	Source document presented for payment (adjustment entry)	The source document to which an ARC, BOC, or POP entry was presented for payment
R38	Stop Payment on source document (adjustment entry)	A stop payment was placed on the source document to which the ARC or BOC entry relates
R39	Improper source document	RDFI determined the source document used for the ARC, BOC, or POP entry to be improper
R50	State Law Affecting RCK Acceptance	RDFI is located in a state that has not adopted revised article 4 of the UCC or the RDFI is located in a state that requires all cancelled checks to be returned within the periodic statement
R51	Item related to RCK Entry is Ineligible	The item to which the RCK entry relates was not eligible, Originator did not provide notice of the RCK policy, signature on the item was not genuine
R52	Stop Payment on Item (adjustment entry)	A stop payment was placed on the item to which the RCK entry relates
R53	Item and RCK Entry presented for payment (adjustment entry)	Both the RCK entry and the check were presented for payment
R70	Permissible return not accepted	ODFI has not agreed to accept a permissible return

Codes for Originated Returns

Code	Description	Additional Information	Timeframe	SEC Code
R01	Insufficient Funds	Available balance not sufficient to cover amount of entry	2 Banking Days	All
R02	Account Closed	Previously active account is closed	2 Banking Days	All
R03	No Account/Unable to Locate Account	Account number does not match an open account	2 Banking Days	All except ARC, BOC, POP
R04	Invalid Account Number Structure	Account number structure is not valid	2 Banking Days	All
R06	Return requested by ODFI (Recall)	ODFI requested that the RDFI return an entry	Undefined	All
R09	Uncollected Funds	Uncollected item brings available balance below amount of entry	2 Banking Days	All
R10	Customer Advises Originator is Not Known to Receiver and/or is Not Authorized by Receiver to Debit Receiver's Account	Consumer advises that there is no authorization for a payment	60 Calendar Days	All except CCD, CTX
R16	Account Frozen	Funds unavailable due to action by RDFI or other legal action	2 Banking Days	All
R17	File record edit criteria	Entry cannot be processed by RDFI. Reason should be specified in addenda	2 Banking Days	All
R20	Non-Transaction Account	Policies or regulations restrict activity to account indicated	2 Banking Days	All
R23	Credit Entry Refused by Receiver	Receiver requests to return credit entry	RDFI must transmit Return upon receipt of Refusal	All
R29	Corporate Customer Advises Not Authorized	Specific payment not authorized by Receiver (Company)	2 Banking Days	All except CIE, DNE, MTE, POS, PPD, RCK, SHR, TEL, WEB
R31	Permissible return entry	ODFI agrees to accept a return after the deadline	Undefined	CCD, CTX only

ACH Notification of Change (NOC) Codes

NoteNOCs do not stop ACH entry processing in the event they are delivered; however, an originator must make the changes specified in an NOC within six banking days of receipt of NOC reporting or prior to initiating another entry to the receiver’s account, whichever is later, per the Nacha Rules.

Code	Description	Corrective Action
C01	Incorrect Account Number	Correct the account number listed in positions 1-17.
C02	Incorrect Transit Routing Number	Correct the transit routing number listed in Positions 1-9.
C03	Incorrect Transit Routing Number and Incorrect Account Number	Correct the transit routing number listed in Positions 1-9. Correct the account number listed in positions 13-29.
C04	Account Name Change	Update your records with the correct name that is provided in the Corrective Action Field.
C05	Incorrect Transaction Code	Correct the transaction code listed in positions 1-2.
C06	Incorrect Account Number and Incorrect Transaction Code	Correct the account listed in positions 1-17. Correct the code listed in positions 21-22.
C07	Incorrect Transit Routing Number, Incorrect Account, and Incorrect Transaction Code	Correct the transit routing number in positions 1-9. Correct the account in positions 10-26. Correct the code listed in positions 27-28.
C08	Incorrect Foreign RDFI	Update your records with the correct foreign receiving DFI identification that appears in the Corrective Action Field.
C09	Incorrect Individual ID Number/Incorrect Receiver ID Number	Update your records with the correct individual information that appears in the Corrective Action Field.
C13	Addenda Format Error	Information in the entry detail record was correct, and the entry was processed and posted by the RDFI. However, information found in the addenda record of the ACH transaction was unclear or was formatted incorrectly.
C14	Incorrect SEC Code for Outbound International Payment	The Gateway identified the entry as an outbound international payment and requests future entries be identified as IAT.