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ACH Return Codes
ACH return codes identify the reason an ACH payment was returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures.
R01Insufficient Funds
R02Account Closed
R03No Bank Account/Unable to Locate Account
R04Invalid Account Number
R05Unauthorized Debit to Consumer Account Using Corporate SEC Code
R06Returned per ODFI's Request
R07Customer Revoked Authorization
R08Payment Stopped
R09Uncollected Funds
R10Originator not known and/or not authorized to Debit Receiver’s Account
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
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 Receiver
R24Duplicate Entry
R25Addenda Error
R26Mandatory Field Error
R27Trace Number Error
R28Routing Number Check Digit Error
R29Corporate Customer Advises Not Authorized
R30Receiving DFI Not Participant in Check Truncation Program
R31Permissible Return Entry (CCD and CTX only)
R32RDFI Non-Settlement
R33Return of XCK Entry
R34Limited Participation DFI
R35Improper Debit Entry
R36Improper Credit Entry
R37Source Document Presented for Payment
R38Stop Payment on Source Document
R39Improper Source Document
R40Return of ENR Entry
R41Invalid Transaction Code
R42Routing Number/Check Digit Error
R43Invalid DFI Account Number
R44Invalid Individual ID Number or Identification Number
R45Invalid Individual Name/Company Name
R46Invalid Representative Payee Indicator
R47Duplicate Enrollment
R50State Law Affecting RCK Acceptance
R51Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper
R52Stop Payment on Item Related to RCK Entry
R53Item and RCK Entry Presented for Payment
R61Misrouted Return
R62Return of Erroneous or Reversing Debit
R67Duplicate Return
R68Untimely Return
R69Field Error
R70Permissible Return Not Accepted / Not Requested by ODFI
R71Misrouted Dishonored Return
R72Untimely Dishonored Return
R73Timely Original Return
R74Corrected Return
R75Original Return Not a Duplicate
R76No Errors Found
R77Non-Acceptance of R62
R80IAT Coding Error
R81Non-Participant in IAT Program
R82Invalid Foreign Receiving DFI Identification
R83Foreign Receiving DFI Unable to Settle
R84Not Processed by Gateway
R85Incorrectly Coded Outbound International Payment
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