ACH Return Codes

An ACH return occurs when a transaction is sent through the banking network for processing; however, the payment is returned by the receiving bank for one of many reasons - the reasons are supplied with a return code (r-code).

Please note: If a return occurs before funds are deposited, you will not see an offsetting transaction to your Account. However, if a late return occurs, any funds distributed would be reversed for the transaction.

Return Codes (R-codes)

• R01 — Insufficient funds: The available balance is not sufficient to cover the amount of the debit entry
• R02 — Bank account closed: The previously active amount has been closed by the customer of RDFI
• R03 — No bank account / Unable to locate Account: The account number does not correspond to the individual identified in the entry, or the account number designated is not an open account
• R04 — Invalid bank account number: The account number structure is not valid
• R06 — Returned per ODFI request: ODFI requested the RDFI to return the entry
• R07 — Authorization revoked by customer: The receiver has revoked the authorization
• R08 — Payment stopped: The receiver of a recurring debit has stopped payment of an entry
• R09 — Uncollected funds: Collected funds are not sufficient for payment of the debit entry
• R10 — Customer advises not authorized: The receiver has advised RDFI that the originator is not authorized to debit his bank account
• R14 — Representative payee deceased or unable to continue in that capacity: The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue in that capacity
• R15 — Beneficiary or bank account holder: (Other than representative payee) deceased* - (1) the beneficiary entitled to payments is deceased, or (2) the bank account holder other than a representative payee is deceased
• R16 — Bank account frozen: Funds in the bank account are unavailable due to action by RDFI or legal order
• R18 — Improper effective entry date: Entries have been presented before the first available processing window for the effective date.
• R19 — Amount field error: Improper formatting of the amount field
• R20 — Non-payment bank account: Entry destined for non-payment bank account defined by reg.
• R21 — Invalid company ID number: The company ID information is not valid
• R22 — Invalid individual ID number: The individual ID used by the receiver is incorrect
• R23 — Credit entry refused by receiver: The receiver returned the entry because the minimum or exact amount was not remitted, the bank account is subject to litigation, or payment represents an overpayment, the originator is not known to the receiver, or the receiver has not authorized this credit entry to this bank account
• R24 — Duplicate entry: RDFI has received a duplicate entry
• R25 — Addenda error: Improper formatting of the addenda record information
• R26 — Mandatory field error: Improper information in one of the mandatory fields
• R27 — Trace number error: The original entry trace number is not valid for return entry, or addenda trace numbers do not correspond with the entry detail record
• R28 — Transit routing number check digit error: Check digit for the transit routing number is incorrect
• R29 — Corporate customer advises not authorized: The corporate receiver has notified RDFI that the debit entry of the originator is not authorized
• R32 — RDFI non-settlement: RDFI is not able to settle the entry
• R34 — Limited participation RDFI: RDFI participation has been limited by a federal or state supervisor
• R35 — Return of improper debit entry: ACH debit is not permitted for use with the CIE standard entry class code (except for reversals)

Notice of Change (C-codes)

The ACH network provides Notifications of Change (NOCs)—notifications that something about a bank account has changed. For example, if you submit a payment for which the routing number for the bank account has changed (CO2). Our systems will attempt to correct it based on the NOC information to settle the transaction on the backend; however, you should update your customer records to prevent future NOC (C-codes) or any actual returns (R-codes).

• C01 — Incorrect bank account number: The bank account number is incorrect or formatted incorrectly
• C02 — Incorrect transit/routing number: A once-valid transit/routing number must be changed
• C03 — Incorrect transit/routing number and bank account number: A once-valid transit/routing number must be changed
• C04 — Bank account name change: The customer has changed the name, or ODFI submitted the name incorrectly
• C05 — Incorrect payment code: Entry posted to demand Account should contain savings payment codes or vice versa
• C06 — Incorrect bank account number and transit code: The bank account number must be changed, and the payment code should indicate posting to another account type (demand/savings)
• C07 — Incorrect transit/routing number, bank account number, and payment code: Changes required in three fields indicated
• C09 — Incorrect individual ID number: Individual’s ID number is incorrect
• C10 — Incorrect company name: The company name is no longer valid and should be changed.
• C11 — Incorrect company identification: Company ID is no longer valid and should be changed
• C12 — Incorrect company name and company ID: Both the company name and company id are no longer valid and must be changed