ACH Returns
An ACH return is a credit or debit entry that is typically initiated by a Receiving Depository Financial Institution (RDFI) that returns a previously originated credit or debit entry to the Originating Depository Financial Institution (ODFI). With nearly 70 ACH return codes, a transaction passing through the Automated Clearing House (ACH Network) can be returned for a variety of reasons. Each return code helps the originator of each transaction determine why an item is being returned.
List of possible return codes, descriptions, and actions for a ‘Failed’ event
| Return Code | Reason for Return & Description | Return Timeframe | Funding Source Removed |
|---|---|---|---|
| R01 | Insufficient Funds Available balance is not sufficient to cover the dollar value of the debit entry. | 2 banking days | No |
| R02 | Bank Account Closed Previously active account has been closed. | 2 banking days | Yes |
| R03 | No Account/Unable to Locate Account Account number structure is valid, but doesn’t match individual identified in entry or is not an open account. | 2 banking days | Yes |
| R04 | Invalid Bank Account Number Structure Account number structure is not valid. | 2 banking days | Yes |
| R05 | Unauthorized debit to consumer account A debit entry was transmitted to a consumer account that was not authorized by the Receiver. Written Statement is required. | 60 calendar days | Yes |
| R07 | Authorization Revoked by Customer Consumer who previously authorized entries has revoked authorization with the Originator. Written Statement is required. | 60 calendar days | Yes |
| R08 | Payment Stopped The Receiver has requested the stop payment of a specific ACH debit entry. | 2 banking days | Yes |
| R09 | Uncollected Funds Sufficient balance exists, but value of uncollected items brings available balance below amount of debit entry. | 2 banking days | No |
| R10 | Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account Receiver has no relationship with the Originator or has not authorized the Originator to debit the account. Written Statement is required. | 60 calendar days | Yes |
| R11 | Customer Advises Entry Not in Accordance with the Terms of the Authorization. The debit entry was inaccurate or improperly initiated. Other reasons include source document was ineligible, notice was not provided to the receive or amount was inaccurately obtained. Written statement is required. | 60 calendar days | Yes |
| R16 | Bank Account Frozen Funds unavailable due to action by the RDFI or legal action. | 2 banking days | Yes |
| R20 | Non-Transaction Account RDFI policies/regulations restrict activity to account. | 2 banking days | No |
| R29 | Corporate Customer Advises Not Authorized Receiver has notified RDFI that corporate debit entry transmitted to a corporate account is not authorized. | 2 banking days | Yes |
Updated 4 months ago