ACH Return Codes

Return Code	Reason for Return	Time Frame
R01	Insufficient Funds	2 banking days
R02	Account Closed	2 banking days
R03	Unable to Locate Account	2 banking days
R04	Invalid Account Number	2 banking days
R05	Unauthorized Debit to Consumer Account via Corporate SEC Code	60 calendar days
R06	ODFI Requested Return	60 calendar days
R07	Authorization Revoked by Customer	60 calendar days
R08	Payment Stopped	2 banking days
R09	Uncollected Funds	2 banking days
R10	Customer Claims Originator Is Not Known to/Is Authorized to Debit Receiver’s Account	60 calendar days
R11	Customer Advises Entry Not in Accordance with the Terms of the Authorization	60 calendar days
R12	Account Sold to Another RDFI	2 banking days
R13	RDFI Not Qualified to Participate	Next file delivery time after processing
R14	Representative Payee Deceased	2 banking days
R15	Beneficiary/Account Holder Deceased	2 banking days
R16	Account Frozen	2 banking days
R17	File Record Edit Criteria / Suspicious Entry with Invalid Account No./Return of Improperly Initiated Reversal	2 banking days
R18	Improper Effective Entry Date	Next file delivery time after processing
R19	Amount Field Error	Next file delivery time after processing
R20	Non-Transaction Account	2 banking days
R21	Invalid Company ID	2 banking days
R22	Invalid Individual ID	2 banking days
R23	Receiver Refused Credit	RDFI must transmit return upon receipt of refusal
R24	Duplicate Entry	2 banking days
R25	Addenda Error	Next file delivery time after processing
R26	Mandatory Field Error	Next file delivery time after processing
R27	Trace Number Error	Next file delivery time after processing
R28	Routing No. Check Digit Error	Next file delivery time after processing
R29	Not Authorized by Corporate Customer	2 banking days
R30	RDFI not in Check Truncation Program	Next file delivery time after processing
R31	Permissible Return (CCD and CTX only)	N/A
R32	RDFI Non-Settlement	Next file delivery time after processing
R33	Return of XCK	60 calendar days
R34	Limited Participation RDFI	Next file delivery time after processing
R35	Improper Debit	Next file delivery time after processing
R36	Improper Credit	Next file delivery time after processing
R37	Source Document Presented	60 calendar days
R38	Stop Payment on Source Document	60 calendar days
R39	Improper Source Document	2 banking days
R40	Return of ENR	N/A
R41	Invalid Transaction Code	N/A
R42	Routing No./Check Digit Error	N/A
R43	Invalid DFI Account No.	N/A
R44	Invalid Individual ID No.	N/A
R45	Invalid Individual/Company Name	N/A
R46	Invalid Representative Payee Indicator	N/A
R47	Duplicate Enrollment	N/A
R50	State Law Affecting RCK Acceptance	N/A
R51	Ineligible/Improper Item Related to RCK	N/A
R52	Stop Payment on Item Related to RCK	60 calendar days
R53	Item and RCK Presented for Payment	60 calendar days
R61	Misrouted Return	60 calendar days
R62	Erroneous/Reversing Debit	60 calendar days
R67	Duplicate Return	N/A
R68	Untimely Return	ODFI must transmit return within 5 business days
R69	Field Error	ODFI must transmit return within 5 business days
R70	Permissible Return Not Accepted/Not Requested by ODFI	ODFI must transmit return within 5 business days
R71	Misrouted Dishonored Return	ODFI must transmit return within 5 business days
R72	Untimely Dishonored Return	ODFI must transmit return within 5 business days
R73	Timely Original Return	ODFI must transmit return within 5 business days
R74	Corrected Return	N/A
R75	Return Not Duplicate	ODFI must transmit return within 5 business days
R76	No Errors Found	Contested return must be transmitted within 2 business days
R77	Non-Acceptance of R62	Contested return must be transmitted within 2 business days
R80	IAT Coding Error	Contested return must be transmitted within 2 business days
R81	Non-Participant in IAT Program	Contested return must be transmitted within 2 business days
R82	Invalid Foreign RDFI Identification	Contested return must be transmitted within 2 business days
R83	Foreign RDFI Unable to Settle	Contested return must be transmitted within 2 business days
R84	Not Processed by Gateway	N/A
R85	Incorrectly Coded Outbound Int’l Payment	2 banking days