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Return Codes

Code	Description	Details
R01	Insufficient Funds	The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.
R02	Bank Account Closed	Previously active amount has been closed by the customer of RDFI.
R03	No Bank Account / unable to locate account	Account number does not correspond to the individual identified in the entry, or the account number designated is not an open account.
R04	Invalid Bank Account Number	Account number structure is not valid.
R05	Improper Debit to Consumer Account	A CCD, CTX, or CBR debit entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.
R06	Returned per ODFI’s Request	ODFI requested the RDFI to return the entryg
R07	Authorization Revoked by Customer	Receiver has revoked authorization
R08	Payment Stopped	Receiver of a recurring debit has stopped payment of an entry.
R09	Uncollected Funds	Collected funds are not sufficient for payment of the debit entry.
R10	Customer Advises Not Authorized	Receiver has advised RDFI that originator is not authorized to debit his bank account.

Code	Description	Details
R11	Check Truncation Entry Return	To be used when returning a check truncation entry.
R12	Branch Sold to Another DFI	A financial institution may continue to receive entries destined for an account at a branch that has been sold to another financial institution.
R13	RDFI not qualified to participate	Financial institution does not receive commercial ACH entries.
R14	Representative Payee Deceased or Unable to Continue in that Capacity	The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue in that capacity.
R15	Beneficiary or Account Holder (Other Than a Representative Payee) Deceased	(1) the beneficiary entitled to payments is deceased or (2) the bank account holder other than a representative payee is deceased
R16	Account Frozen	Funds in bank account are unavailable due to action by RDFI or legal order.
R17	File Record Edit Criteria	Fields rejected by RDFI processing (identified in return addenda)
R18	Improper Effective Entry Date	Entries have been presented prior to the first available processing window for the effective date.
R19	Amount Field Error	Improper formatting of the amount field.
R20	Non-Transaction Account	The ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).

Code	Description	Details
R21	Invalid Company ID	The company ID information not valid (normally CIE entries).
R22	Invalid Individual ID Number	Individual id used by receiver is incorrect (CIE entries).
R23	Credit Entry Refused by Receiver	The Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account.
R24	Duplicate Entry	The RDFI has received what appears to be a duplicate entry.
R25	Addenda error	Improper formatting of the addenda record information.
R26	Mandatory field error	Improper information in one of the mandatory fields.
R27	Trace Number Error	Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record.
R28	Transit Routing Number Check Digit Error	Check digit for the transit routing number is incorrect.
R29	Corporate Customer Advises Not Authorized	The RDFI has bee notified by corporate receiver that debit entry of originator is not authorized.
R30	RDFI Not Participant in Check Truncation Program	Financial institution not participating in automated check safekeeping application.

Code	Description	Details
R31	Permissible Return Entry (CCD and CTX only)	RDFI has been notified by the ODFI that it agrees to accept a CCD or CTX return entry.
R32	RDFI Non-Settlement	RDFI is not able to settle the entry
R33	Return of XCK Entry	RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date if the XCK entry.
R34	Limited participation RDFI	RDFI participation has been limited by a federal or state supervisor.
R35	Return of Improper Debit Entry	ACH debit not permitted for use with the CIE standard entry class code (except for reversals).
R36	Reserved
R37	Reserved	The source document to which an ACH entry relates has been presented for payment.
R38	STOP PAY (ARC)	Stop Payment on Source Document (adjustment entries)
R39		Improper Source Document
R40		Non-Participant in ENR Program (ENR only) [Return of ENR Entry by Federal Government Agency (ENR only)]

Code	Description	Details
R41		Invalid Transaction Code (E.N.R. only)
R42		Routing Number/Check Digit Error
R43		Invalid D.F.I. Account Number
R44		Invalid Individual I.D. Number
R45		Invalid Individual Name
R46		Invalid Representative Payee Indicator
R47		Duplicate Enrollment
R48	Reserved
R49	Reserved
R50	State Law Affecting RCK Acceptance	RDFI is in one of the states that have not accepted the Uniform Commercial Code and hasn't revised its consumer agreements to allow for electronic presentmen.

Code	Description	Details
R51		Item is Ineligible, Notice Not Provided, Signatures Not Genuine, Item Altered or Amount of RCK Entry not Accurately Obtained From the Item
R52	Stop Payment	RDFI determines that a stop payment has been placed on the item to which the RCK entry relates. RDFI has 60 days following settlement to return.
R53	Paper Backup Missing or not in Agreement	In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment.
R54	Reserved
R55	Reserved
R56	Reserved
R57	Reserved
R58	Reserved
R59	Reserved
R60	Reserved

Code	Description	Details
R61	Misrouted Return	RDFI of the original entry has placed the incorrect transit/routing number in the Receiving DFI Identification field.
R62	Incorrect Trace Number	Trace Number found in positions 07-21 in the addenda record of the Return is different from the trace number of the original entry.
R63	Incorrect Dollar Amount	Dollar amount in the Entry Detail Record of the Return is different from the dollar amount of the original entry.
R64	Incorrect Invidual Identification	Individual ID number reflected in the Entry Detail Record of the Return is different from the Individual ID number used in the original entry.
R65	Incorrect Transaction Code	Transaction Code in the Entry Detail Record of the Return is not the return equivalent of the Transaction Code in the original entry. (All entries must be returned as received: i.e., credit as credit, debit as debit, demand as demand, savings as savings.)
R66	Incorrect Company Identification	Company ID number used in the Company/Batch Header Record of the Return is different from the ID number used in the original entry.
R67	Duplicate Return	ODFI has received more than one return for the same entry.
R68	Untimely Return	Return was not sent within the time frame established by the rules.
R69	Multiple Errors	Two or more fields are incorrect (i.e. original entry trace number, amount, individual ID number, company ID and/or Transaction Code).
R70		Permissible Return Entry Not Accepted

Code	Description	Details
R71		Misrouted Dishonor Return
R72		Untimely Dishonored Return
R73		Timely Original Return
R74		Corrected Return
R75		Original Return not a Duplicate
R76		No Errors Found
R77
R78
R79
R80		Cross-Border Payment Coding Error

Code	Description	Details
R81		Non-Participant in Cross-Border Program
R82		Invalid Foreign Receiving D.F.I. Identification
R83		Foreign Receiving D.F.I. Unable to Settle
R84		Entry Not Processed by O.G.O.
R85
R86
R87
R88
R89
R90

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