ACH Returns

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