Return Codes
There are currently 85 distinct ACH return codes.
Most Common Return Codes
Section titled “Most Common Return Codes”| Code | Title | Account Type | Time Frame | Suggested Customer Message |
|---|---|---|---|---|
| R01 | Insufficient Funds | Consumer or Non-Consumer | 2 Banking Days | This transaction has failed due to NACHA code R01, insufficient account funds. Please correct your balance and try again. Retry limit is 2. |
| R02 | Account Closed | Consumer or Non-Consumer | 2 Banking Days | Account is closed. Please update with a valid account. |
| R03 | No Account / Unable to Locate Account | Consumer or Non-Consumer | 2 Banking Days | Unable to find the account. Please check the account details and try again. |
| R04 | Invalid Account Number Structure | Consumer or Non-Consumer | 2 Banking Days | Invalid account structure. Please re-enter the account number and retry. |
| R05 | Unauthorized Consumer Debit using Corporate SEC Code | Consumer | 60 Calendar Days | The transaction was marked incorrectly as corporate (CCD). Use WEB for consumer. |
| R06 | ODFI Requested Return | Consumer or Non-Consumer | Undefined | The bank marked this transaction for return. Please contact the bank before retrying. |
| R07 | Customer Revoked Authorization | Consumer | 60 Calendar Days | Customer has revoked authorization. Contact the customer before retrying. |
| R08 | Payment Stopped | Consumer or Non-Consumer | 2 Banking Days | Payment was stopped. Contact the payor to resolve the issue. |
| R09 | Uncollected Funds | Consumer or Non-Consumer | 2 Banking Days | Funds could not be retrieved. Contact the payor and retry. |
| R10 | Originator not known / not authorized | Consumer; Non-Consumer (ARC, BOC, IAT, POP) | 60 Calendar Days | Payer not authorized. Contact the banks to resolve before retrying. |
| R29 | Not Authorized by Corporate Customer | Non-Consumer | 2 Banking Days | The corporate customer did not authorize the debit. |
Less Common Return Codes
Section titled “Less Common Return Codes”| Code | Title | Account Type | Time Frame |
|---|---|---|---|
| R11 | Not Within Authorization Terms | Consumer; Non-Consumer | 60 Calendar Days |
| R12 | Account Sold to Another DFI | Consumer or Non-Consumer | 2 Banking Days |
| R13 | Invalid ACH Routing No. | Consumer or Non-Consumer | Next File Delivery |
| R14 | Representative Payee Deceased | Consumer or Non-Consumer | 2 Banking Days |
| R15 | Beneficiary / Account Holder Deceased | Consumer | 2 Banking Days |
| R16 | Account Frozen / Returned per OFAC | Consumer or Non-Consumer | 2 Banking Days |
| R17 | File Edit Criteria / Suspicious Entry | Consumer or Non-Consumer | 2 Banking Days |
| R18 | Improper Effective Date | Consumer or Non-Consumer | Next File Delivery |
| R19 | Amount Field Error | Consumer or Non-Consumer | Next File Delivery |
| R20 | Non-Transaction Account | Consumer or Non-Consumer | 2 Banking Days |
| R21 | Invalid Company ID | Non-Consumer | 2 Banking Days |
| R22 | Invalid Individual ID | Consumer or Non-Consumer | 2 Banking Days |
| R23 | Receiver Refused Credit | Consumer or Non-Consumer | Upon Receipt |
| R24 | Duplicate Entry | Consumer or Non-Consumer | 2 Banking Days |
| R25 | Addenda Error | Consumer or Non-Consumer | Next File Delivery |
| R26 | Mandatory Field Error | Consumer or Non-Consumer | Next File Delivery |
| R27 | Trace Number Error | Consumer or Non-Consumer | Next File Delivery |
| R28 | Routing No. Check Digit Error | Consumer or Non-Consumer | Next File Delivery |
| R30 | RDFI not in Check Truncation Program | Consumer or Non-Consumer | Next File Delivery |
| R31 | Permissible Return (CCD/CTX only) | Non-Consumer | Undefined |
| R32 | RDFI Non-Settlement | Consumer or Non-Consumer | Next File Delivery |
| R33 | Return of XCK | Consumer or Non-Consumer | 60 Calendar Days |
| R34 | Limited Participation DFI | Consumer or Non-Consumer | Next File Delivery |
| R35 | Improper Debit | Consumer or Non-Consumer | Next File Delivery |
| R36 | Improper Credit | Consumer or Non-Consumer | Next File Delivery |
| R37 | Source Document Presented | Consumer or Non-Consumer | 60 Calendar Days |
| R38 | Stop Payment on Source Document | Consumer or Non-Consumer | 60 Calendar Days |
| R39 | Improper Source Document | Consumer or Non-Consumer | 2 Banking Days |
| R40–R47 | Enrollment/Identity/Routing Errors | N/A | N/A |
| R50–R53 | RCK-Related Errors | Consumer | 60 Banking Days |
| R61 | Misrouted Return | Consumer | 60 Calendar Days |
| R62 | Erroneous / Reversing Debit | Consumer | 5 Business Days |
| R67 | Duplicate Return | — | — |
| R68–R73 | Timeliness or Routing Issues | Consumer or Non-Consumer | 5 Banking Days |
| R74 | Corrected Return | — | — |
| R75–R77 | Return Disputes / Validity Conflicts | Consumer or Non-Consumer | 2–5 Banking Days |
| R80–R85 | IAT / Foreign / Gateway Errors | Consumer or Non-Consumer | 2 Banking Days |
Maintained by EkLine