Returns
For more detailed information on return codes, check out our blog – ACH Return Codes.
Return Codes
For returns of 2 Business Days, each Return Entry must be received by the RDFI’s ACH Operator by its deposit deadline for the Return Entry to be made available to the ODFI no later than the opening of business on the second Banking Day following the Settlement Date of the original Entry.
For returns of 60 Calendar Days, each Return Entry must be received by the RDFI’s ACH Operator by its deposit deadline for the Return Entry to be made available to the ODFI no later than the opening of business on the Banking Day following the sixtieth calendar day following the Settlement Date of the original Entry.
R01
2 Business Days
Insufficient Funds
R02
2 Business Days
Account closed
R03
2 Business Days
No account or unable to locate account
R04
2 Business Days
Invalid account number
R05
60 Calendar Days
Unauthorized debit to consumer account
R06
2 Business Days
Returned per ODFI's request
R07
60 Calendar Days
Authorization revoked by customer
R08
2 Business Days
Payment stopped or stop payment on item
R09
2 Business Days
Uncollected funds
R10
60 Calendar Days
Customer advises not authorized
R11
60 Calendar Days
Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12
2 Business Days
Branch sold to another DFI
R13
2 Business Days
Invalid ACH routing number
R14
2 Business Days
Representment payee deceased or unable to continue in that capacity
R15
2 Business Days
Beneficiary of account holder deceased
R16
2 Business Days
Account frozen
R17
2 Business Days
File record edit criteria
R18
2 Business Days
Improper effective entry date
R19
2 Business Days
Amount field error
R20
2 Business Days
Non Transaction account
R21
2 Business Days
Invalid company identification
R22
2 Business Days
Invalid individual ID number
R23
2 Business Days
Credit entry refused by receiver
R24
2 Business Days
Duplicate entry
R25
2 Business Days
Addenda error
R26
2 Business Days
Mandatory field error
R27
2 Business Days
Trace number error
R28
2 Business Days
Routing number or check digit error
R29
2 Business Days
Corporate customer advises not authorized
R30
2 Business Days
RDFI not participant in check truncation program
R31
2 Business Days
Permissible return entry
R32
2 Business Days
RDFI non settlement
R33
2 Business Days
Return of XCK entry
R34
2 Business Days
Limited participation DFI
R35
2 Business Days
Return of improper debit entry
R36
2 Business Days
Return of improper credit entry
R37
2 Business Days
Source Document Presented for Payment
R38
2 Business Days
Stop payment on source document
Dishonored Returns
The dishonored return must be transmitted to the ACH Operator within five Banking Days after the Settlement Date of the Return Entry.
R61
Misrouted return
R62
Return of Erroneous or Reversing Debit
R63
Incorrect dollar amount
R64
Incorrect individual identification
R65
Incorrect transaction code
R66
Incorrect company identification
R67
Duplicate return
R68
Untimely return
R69
Multiple errors
R70
Permissible return entry not accepted
Contested Dishonored Returns
The contested dishonored Return Entry must be transmitted to the ACH Operator within two Banking Days after the Settlement Date of the dishonored Return Entry.
R71
Misrouted Dishonored Return
R72
Untimely Dishonored Return
R73
Timely Original Return
R74
Corrected Return
R75
Return Not a Duplicate
R76
No Errors Found
R77
Non-Acceptance of R62 Dishonored Return