ACH Return Codes
ACH Return Codes and Their Meanings
Reason Code | Explanation |
---|---|
R01 | Insufficient funds |
R02 | Account closed |
R03 | Unable to locate account or no account |
R04 | Invalid account number |
R05 | Unauthorized debit to consumer account using Corporate SEC code |
R06 | Returned due to ODFI's request |
R07 | Authorization revoked by customer |
R08 | Payment stopped |
R09 | Uncollected funds |
R10 | Customer advisees unauthorized, improper, ineligible, or part of an incomplete transaction |
R11 | Check Truncation Entry Return |
R12 | Branch sold to another DFI |
R13 | Invalid ACH routing number |
R14 | Representative payee deceased or unable to continue in that capacity |
R15 | Beneficiary or account holder deceased |
R16 | Account frozen/entry returned per OFAC instruction |
R17 | File record edit criteria |
R18 | Improper effective entry date |
R19 | Amount field error |
R20 | Non-Transaction account |
R21 | Invalid company identification |
R22 | Invalid individual ID number |
R23 | Credit entry refused by the receiver |
R24 | Duplicate entry |
R25 | Addenda error |
R26 | Mandatory field error |
R27 | Trace number error |
R28 | Routing number check digit error |
R29 | Corporate customer advises not authorized |
R30 | RDFI not a participant in check truncation program |
R31 | Permissible return entry |
R32 | RDFI non-settlement |
R33 | Return of XCK entry |
R34 | Limited participation DFI |
R35 | Return of improper debit entry |
R36 | Return of improper credit entry |
R37 | Source document presented for payment |
R38 | Stop payment on source document |
R39 | Improper source document or source document presented for payment |
R40 | Return of ENR entry by Federal Government Agency |
R41 | Invalid transaction code |
R42 | Routing number or check digit error |
R43 | Invalid DFI account number |
R44 | Invalid individual id number or identification number |
R45 | Invalid individual name or company name |
R46 | Invalid representative payee indicator |
R47 | Duplicate enrollment |
Updated 6 months ago