R69

What Is ACH Return Code R69?

ACH return codes are used to identify the reason an ACH payment has been returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures.

ACH Return Code R69, also known as "Field Error," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that one of the fields in the return has been incorrectly inputted by the ODFI. This can include:

• An incorrect DFI account number
• An incorrect Original Entry Trace Number
• An incorrect dollar amount
• An incorrect Individual Identification Number/Identification Number
• An incorrect Transaction Code
• An incorrect Company Identification Number
• An Invalid Effective Entry Date

The ODFI must transmit a return for R69 within 5 banking days.

How To Address ACH Return Code R69

Nacha prescribes separate rules for handling each return code since each one represents a unique scenario. ODFIs (Originating Depository Financial Institutions) and RDFIs (Receiving Depository Financial Institutions) are responsible for handling ACH return codes according to these rules.

If you encounter R69, you will need to reach out to the ODFI directly—in the case of most return codes, you reach out to the RDFI first, so this code is unique in that respect. You will need to instruct the ODFI to input the proper code to correct the error that generated R69. From there, you can ask the ODFI to initiate a new return that includes the corrected information.

What Is An ACH Return Code?

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. Each code begins with 'R' followed by a two digit number. ACH return codes are standardized and maintained by NACHA, the governing body for the ACH network.