ACH Return Codes

ACH Return Codes and Their Meanings

Reason CodeExplanation
R01Insufficient funds
R02Account closed
R03Unable to locate account or no account
R04Invalid account number
R05Unauthorized debit to consumer account using Corporate SEC code
R06Returned due to ODFI's request
R07Authorization revoked by customer
R08Payment stopped
R09Uncollected funds
R10Customer advisees unauthorized, improper, ineligible, or part of an incomplete transaction
R11Check Truncation Entry Return
R12Branch sold to another DFI
R13Invalid ACH routing number
R14Representative payee deceased or unable to continue in that capacity
R15Beneficiary or account holder deceased
R16Account frozen/entry returned per OFAC instruction
R17File record edit criteria
R18Improper effective entry date
R19Amount field error
R20Non-Transaction account
R21Invalid company identification
R22Invalid individual ID number
R23Credit entry refused by the receiver
R24Duplicate entry
R25Addenda error
R26Mandatory field error
R27Trace number error
R28Routing number check digit error
R29Corporate customer advises not authorized
R30RDFI not a participant in check truncation program
R31Permissible return entry
R32RDFI non-settlement
R33Return of XCK entry
R34Limited participation DFI
R35Return of improper debit entry
R36Return of improper credit entry
R37Source document presented for payment
R38Stop payment on source document
R39Improper source document or source document presented for payment
R40Return of ENR entry by Federal Government Agency
R41Invalid transaction code
R42Routing number or check digit error
R43Invalid DFI account number
R44Invalid individual id number or identification number
R45Invalid individual name or company name
R46Invalid representative payee indicator
R47Duplicate enrollment