ACH Return Codes

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