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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.

  1. R01

    Insufficient Funds

  2. R02

    Account Closed

  3. R03

    No Bank Account/Unable to Locate Account

  4. R04

    Invalid Account Number

  5. R05

    Unauthorized Debit to Consumer Account Using Corporate SEC Code

  6. R06

    Returned per ODFI's Request

  7. R07

    Customer Revoked Authorization

  8. R08

    Payment Stopped

  9. R09

    Uncollected Funds

  10. R10

    Originator not known and/or not authorized to Debit Receiver’s Account

  11. R11

    Check Truncation Entry Return

  12. R12

    Branch Sold to Another DFI

  13. R13

    Invalid ACH Routing Number

  14. R14

    Representative Payee Deceased or Unable to Continue in That Capacity

  15. R15

    Beneficiary or Account Holder Deceased

  16. R16

    Account Frozen

  17. R17

    File Record Edit Criteria

  18. R18

    Improper Effective Entry Date

  19. R19

    Amount Field Error

  20. R20

    Non-Transaction Account

  21. R21

    Invalid Company Identification

  22. R22

    Invalid Individual ID Number

  23. R23

    Credit Entry Refused by Receiver

  24. R24

    Duplicate Entry

  25. R25

    Addenda Error

  26. R26

    Mandatory Field Error

  27. R27

    Trace Number Error

  28. R28

    Routing Number Check Digit Error

  29. R29

    Corporate Customer Advises Not Authorized

  30. R30

    Receiving DFI Not Participant in Check Truncation Program

  31. R31

    Permissible Return Entry (CCD and CTX only)

  32. R32

    RDFI Non-Settlement

  33. R33

    Return of XCK Entry

  34. R34

    Limited Participation DFI

  35. R35

    Improper Debit Entry

  36. R37

    Source Document Presented for Payment

  37. R38

    Stop Payment on Source Document

  38. R39

    Improper Source Document

  39. R40

    Return of ENR Entry

  40. R41

    Invalid Transaction Code

  41. R42

    Routing Number/Check Digit Error

  42. R43

    Invalid DFI Account Number

  43. R44

    Invalid Individual ID Number or Identification Number

  44. R45

    Invalid Individual Name/Company Name

  45. R46

    Invalid Representative Payee Indicator

  46. R47

    Duplicate Enrollment

  47. R50

    State Law Affecting RCK Acceptance

  48. R51

    Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper

  49. R52

    Stop Payment on Item Related to RCK Entry

  50. R53

    Item and RCK Entry Presented for Payment

  51. R61

    Misrouted Return

  52. R62

    Return of Erroneous or Reversing Debit

  53. R67

    Duplicate Return

  54. R68

    Untimely Return

  55. R69

    Field Error

  56. R70

    Permissible Return Not Accepted / Not Requested by ODFI

  57. R71

    Misrouted Dishonored Return

  58. R72

    Untimely Dishonored Return

  59. R73

    Timely Original Return

  60. R74

    Corrected Return

  61. R75

    Original Return Not a Duplicate

  62. R76

    No Errors Found

  63. R77

    Non-Acceptance of R62

  64. R80

    IAT Coding Error

  65. R81

    Non-Participant in IAT Program

  66. R82

    Invalid Foreign Receiving DFI Identification

  67. R83

    Foreign Receiving DFI Unable to Settle

  68. R84

    Not Processed by Gateway

  69. R85

    Incorrectly Coded Outbound International Payment