Change/Return Codes

Question 1

C01

Answer 1

Incorrect DFI Account Number

Question 2

C02

Answer 2

Incorrect Routing Number

Question 3

C03

Answer 3

Incorrect Routing Number AND Incorrect DFI Account Number

Question 4

C05

Answer 4

Incorrect Transaction Code

Question 5

C06

Answer 5

Incorrect DFI Account Number and Incorrect Transaction Code

Question 6

C07

Answer 6

Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code

Question 7

R01

Answer 7

Insufficient Funds with timeframe of 2 banking days

Question 8

R02

Answer 8

Account Closed

Question 9

R03

Answer 9

No Account/Unable to Locate Account: The acct number structure is valid and it passes the check digit validation, but the account number does not correspond to the individual identified in the Entry or the account number designated is not an existing account.

Question 10

R04

Answer 10

Invalid Account Number Structure

Question 11

R05

Answer 11

Unauthorized Debit to Consumer Account using a Corporate SEC code (CCD/CTX)

Question 12

R06

Answer 12

Returned per ODFI’s Request

Question 13

R07

Answer 13

Authorization Revoked by Customer

Question 14

R08

Answer 14

Payment Stopped

Question 15

R09

Answer 15

Uncollected Funds: A sufficient ledger balance exists to satisfy the dollar value of the transaction, but the available balance is below the dollar value of the debit entry.

Question 16

R10

Answer 16

Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account.

Question 17

R11

Answer 17

Customer Advise Entry Not in Accordance with the Terms of the Authorization

Question 18

R12

Answer 18

Account Sold to Another DFI