ACH Return Codes

List of possible return codes, descriptions, and actions for a ‘Failed’ event

Code	Reason	Description
R01	Insufficient Funds	Not enough funds in the account to cover the debit entry.
R02	Account Closed	Account was closed before the entry could be processed.
R03	No Account / Unable to Locate	The account number doesn't match any existing account.
R04	Invalid Account Number	The account number is invalid or improperly formatted.
R05	Unauthorized Debit to Consumer	Entry not authorized by consumer. (Obsolete except for IATs)
R06	Returned per ODFI’s Request	Entry returned at ODFI's request.
R07	Authorization Revoked	Consumer revoked authorization.
R08	Payment Stopped	Stop payment was placed on the transaction.
R09	Uncollected Funds	Available balance exists, but not enough collected funds.
R10	Customer Advises Not Authorized	Customer claims transaction not authorized.
R11	Check Truncation Entry Return	Image/ARC/BOC/POP entries with issues (e.g. duplicate, altered).
R12	Branch Sold to Another Bank	Receiving account now resides at another institution.
R13	Invalid ACH Routing Number	Routing number failed validation or is incorrect.
R14	Representative Payee Deceased	Account holder is deceased and no rep payee available.
R15	Beneficiary or Account Holder Deceased	Account holder is deceased.
R16	Account Frozen	Funds are not accessible due to legal reasons or restrictions.
R17	File Record Edit Criteria	Entry failed NACHA edit checks (needs further examination).
R18	Improper Effective Date	Effective date is invalid or in the wrong format.
R19	Amount Field Error	Amount field is invalid (non-numeric or too large).
R20	Non-Transaction Account	Account can't be used for ACH transactions.
R21	Invalid Company Identification	Originator ID is incorrect or not on file with the RDFI.
R22	Invalid Individual ID Number	Receiver's ID is invalid or not recognized.
R23	Credit Entry Refused by Receiver	Receiver rejected the deposit (e.g., refuses pay).
R24	Duplicate Entry	Identical transaction already processed.
R25	Addenda Error	Addenda record improperly formatted or invalid.
R26	Invalid Company Name	Company name not matching RDFI records.
R27	Invalid Entry Description	Entry description not recognized by RDFI.
R28	Transit Routing Number Check Digit Error	Routing number failed checksum validation.
R29	Corporate Customer Advises Not Authorized	Business customer says transaction wasn’t authorized.
R30	RDFI Not Participant in Check Truncation	RDFI can't process check-based entries (ARC, BOC, etc.).
R31	Permissible Return Entry	Return permitted but requires ODFI permission (e.g., CCD).
R32	RDFI Non-Settlement	RDFI not able to settle the transaction.
R33	Return of XCK Entry	Return of a destroyed check (XCK) entry.
R34	Limited Participation RDFI	RDFI can’t process all ACH types.
R35	Return of Improper Debit	Used inappropriately for International ACH (IAT).
R36	Return of Improper Credit	Same as above, but for improper IAT credit.
R37	Source Document Presented for Payment	Physical check used after check image was submitted.
R38	Stop Payment on Source Document	RDFI has stop payment order on the check.
R39	Improper Source Document	Source document doesn’t meet image-entry requirements.
R40	Return of ENR Entry by Federal Government	Enrollment entry not processed by a federal agency.
R41	Invalid Transaction Code	Transaction code not valid for the account type.
R42	Routing Number / DFI Mismatch	Incorrect match between routing number and bank.
R43	Invalid DFI Account Number	Account number does not conform to requirements.
R44	Invalid Individual Name	Receiver name does not match RDFI records.
R45	Invalid Individual ID Number	Receiver ID doesn’t match RDFI records.
R46	Invalid Representative Payee Indicator	Payee indicator incorrect or not present.
R47	Duplicate Enrollment	Duplicate federal enrollment entry.
R50	State Law Prohibits EFT	State law prohibits this type of electronic payment.
R51	International ACH Transaction Not Allowed	IATs not permitted to this account.
R52	Item is Ineligible / Not Processed	Federal entry type not allowed or supported.
R53	Item and RCK Entry Presented for Payment	Same item was presented as both a check and RCK.
R61	Misrouted Return	Return was sent to the wrong ODFI.
R62	Incorrect Trace Number	Trace number in return doesn’t match original entry.
R63	Incorrect Dollar Amount	Return amount doesn’t match original transaction.
R64	Incorrect Individual Identification	Incorrect Receiver info on the return.
R65	Incorrect Transaction Code	Return used wrong transaction code (debit vs credit).
R66	Incorrect Company ID	Company ID doesn’t match original transaction.
R67	Duplicate Return	Same return was already submitted.
R68	Untimely Return	Return sent outside the allowable return window.
R69	Field Error	Return contained improperly formatted field(s).
R70	Permissible Return Entry Not Accepted	ODFI won’t accept this return entry.
R71	Misrouted Dishonored Return	Dishonored return sent to wrong bank.
R72	Untimely Dishonored Return	Dishonored return submitted too late.
R73	Timely Original Return Not Received	Dishonored return received but original never arrived.
R74	Corrected Return	Previous return had an error; this is a correction.
R75	Return Not a Duplicate	RDFI mistakenly believed it was duplicate.
R76	No Errors Found	RDFI found no error in the original return.
R80-R84	Cross-Border Codes	Used for international returns (IAT).
R85	IAT Foreign Payment Coding Error	Payment coded incorrectly as domestic or foreign.