ACH Return Codes

Question 1

What is a code R01

Answer 1

Available balance is not sufficient to cover the dollar value of the debit entry

Question 2

What is a code R09

Answer 2

Sufficient Book/Ledger Balance but value uncollected items brings available balance below amount of debit entry

Question 3

What is a code R16

Answer 3

Funds Unavailable due to action by the RDFI or by legal Action or OFAC instructed

Question 4

What is a code R02

Answer 4

Previously Active account is now closed

Question 5

What is a code R03

Answer 5

Account structure is valid, but does not match individual

Question 6

What is code R04

Answer 6

Account number structure not valid , Digits failed

Question 7

What is Code R12

Answer 7

Account Sold to another Financial institution

Question 8

What is Code R20

Answer 8

Non transaction account due to Policy and regulation

Question 9

What is code R05

Answer 9

Unauthorized Debit to Consumer account using SEC Corporate code

Question 10

What is Code R07

Answer 10

Authorization revoked by customer / Written Statement is required PPD, TEL, and WEB

Question 11

What is code R08

Answer 11

The receiver has requested a stop payment

Question 12

what is an R10

Answer 12

Customer Advises Unauthorized all debit entries except corporate CCD , CTX, and RCK

Question 13

What is a R29

Answer 13

Receiver has notified RDFI that corporate debit entry is not authorized. 24 Hours to return

Question 14

What is an R31

Answer 14

ODFI agrees to accept a return after the 24 hours deadline of a corporate entry reported unauthorized.

Question 15

What is a code R14

Answer 15

Representative payee Deceased

Question 16

What is a code R15

Answer 16

beneficiary or Account holder deceased

Question 17

What is a code R23

Answer 17

Credit Entry Refused - Receiver refuses transaction because amount is inaccurate

Question 18

What is code R33

Answer 18

RDFI determines at its discretion to return a destroyed Check Entry

Question 19

What is code R06

Answer 19

Returned per ODFI’s request - ODFI has requested RDFI to return an entry

Question 20

What is a code R17

Answer 20

Fields edited by the RDFI Cannot be processed - File Record Edit Criteria

Question 21

What is a code R21

Answer 21

Number used in the company field is incorrect

Question 22

What is code R22

Answer 22

The ID number used to identify the account is not correct

Question 23

What is code R24

Answer 23

Duplicate Entry - Entry is a duplicate trace number, date dollar amount and or hte other data matches another entry

Question 24

What is code R13

Answer 24

Invalid ACH Routing Number

Question 25

What is code R18

Answer 25

Improper effective entry date effective entry date of a credit entry is beyond the 2 banking day processing window. Effective date of a debit entry is beyond the 1 banking day processing window.

Question 26

What is code R19

Answer 26

Amount field is non-numeric; is not zero in non-valued entry( pre-note, dne,enr,noc, Refused NOC or zero dollar entry) is zero in a valued ACH transaction format; or is greater than $25,000.00 for ARC, BOC and POP Entries

Question 27

What is a code R25

Answer 27

Addenda Error - An error exist in the addenda Record in regard to the application of codes incorrect values, addenda content or required formatting standards ( ANSI or NACHA endorsed banking convention

Question 28

What is a code R26

Answer 28

Mandatory field