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Why was a payment returned?

When a debit is processed to a payer's bank account, that account holder's bank can return the payment. When a bank returns a payment, they will provide a return code which details why it was returned. To see a list of all return codes, please see below.

Please note, more information on Check Scanning Returns below.

ACH/E-Check Return Codes:

R01: Insufficient Funds

The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.

R02: Account Closed

A previously active account has been closed by action of the customer or the RDFI.

R03: No Account/Unable to Locate Account

The account 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 open account. [The account 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 open account. (Note: This Return Reason Code may not be used to return POP entries that do not contain an Individual Name.) ]

R04: Invalid Account Number

The account number structure is not valid. The entry may fail the check digit validation or may contain an incorrect number of digits.

R05: Unauthorized Debit Entry

Account number structure not valid: entry may fail check digit validation or may contain incorrect number of digits

R06: Returned per ODFI's Request

The ODFI has requested that the RDFI return the ACH entry. If the RDFI agrees to return the entry, the ODFI must indemnify the RDFI according to Article Five (Return, Adjustment, Correction, and Acknowledgment of Entries and Entry Information) of these Rules.

R07: Authorization Revoked by Customer (adjustment entries)

The RDFI's customer (the Receiver) has revoked the authorization previously provided to the Originator for this particular transaction. The Receiver may request immediate credit from the RDFI for an unauthorized debit. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry. The Receiver must also provide the RDFI with an executed affidavit declaring and swearing under oath that the authorization for the debit entry has been revoked by the Receiver. The RDFI must return the rescinded transaction to its ACH Operator by its deposit deadline for the adjustment entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the original entry. This code and related Operating Rule provisions apply to Consumer entries only. [(Note: This Return Reason Code may not be used for POP entries) ]

R08: Payment Stopped or Stop Payment on Item

The Receiver of a recurring debit transaction has the right to stop payment on any specific ACH debit. A stop payment request should be handled in accordance with the provisions of Article Seven (Recall, Stop Payment, Recredit, and Adjustment) of these Rules. The RDFI should verify the Receiver's intent when a request for stop payment is made to ensure this is not intended to be a revocation of authorization (R07). A stop payment order shall remain in effect until the earliest of the following occurs: a lapse of six months from the date of the stop payment order, payment of the debit entry has been stopped, or the Receiver withdraws the stop payment order.

OR

The RDFI determines that a stop payment order has been placed on the item to which the PPD debit entry constituting notice of presentment or the PPD Accounts Receivable Truncated Check Debit Entry relates. [The RDFI determines that a stop payment order has been placed on the item to which the PPD Accounts Receivable Truncated Check Debit Entry relates.] An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the PPD debit entry to which the item relates.

R09: Uncollected Funds

Sufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of transactions in the process of collection (i.e., uncollected checks) brings the available and/or cash reserve balance below the dollar value of the debit entry.

R10: Customer Advises Not Authorized; Item Is Ineligible, Notice Not Provided, Signatures Not Genuine, or Item Altered (adjustment entries)

For entries to Consumer Accounts that are not PPD debit entries constituting notice of presentment or PPD Accounts Receivable Truncated Check Debit Entries in accordance with Article Two, subsection 2.1.4(2), the RDFI has been notified by its customer, the Receiver, that the Originator of a given transaction has not been authorized to debit his account. [For entries to Consumer Accounts that are not PPD Accounts Receivable Truncated Check Debit Entries in accordance with Article Two, subsection 2.1.4(2) (Authorization/Notification for PPD Accounts Receivable Truncated Check Debit Entries), the RDFI has been notified by its customer, the Receiver, that the Originator of a given transaction has not been authorized to debit his account.] The Receiver may request immediate credit from the RDFI for an unauthorized debit. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry. The Receiver must also provide the RDFI with an executed affidavit declaring and swearing under oath that the debit entry was not authorized by the Receiver. For purposes of this code and related Operating Rules provisions, a debit entry was not authorized by the Receiver if (1) the authorization requirements of Article Two, subsection 2.1.2 (Receiver Authorization and Agreement) have not been met; (2) the debit entry was initiated in an amount greater than that authorized by the Receiver; or (3) the debit entry was initiated for settlement earlier than authorized by the Receiver. An unauthorized debit entry does not include a debit entry initiated with fraudulent intent by the Receiver or any person acting in concert with the Receiver. The RDFI must return the rescinded transaction to its ACH Operator by its deposit deadline for the adjustment entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the original entry. This code and related Operating Rule provisions apply to Consumer entries only.

OR

For PPD debit entries constituting notice of presentment, the RDFI has been notified by its customer, the Receiver, that (1) the item to which the PPD debit entry relates is ineligible as provided for within Article Two, subsection 2.8.2 (Eligible Item), (2) the required notice was not provided by the Originator in accordance with Article Three, subsection 3.5.2 (Notice Obligation), (3) all signatures on the item to which the PPD debit entry constituting notice of presentment relates are not authentic or authorized, or (4) the item to which the PPD debit entry constituting notice of presentment relates has been altered. The Receiver may request immediate credit from the RDFI for a PPD debit entry constituting notice of presentment for the reasons described above. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry. The Receiver must also provide the RDFI with an executed affidavit declaring and swearing under oath that (1) the item to which the debit entry relates is ineligible, (2) the required notice was not provided, (3) all signatures on the item to which the PPD debit entry constituting notice of presentment relates are not authentic or authorized, or (4) the item to which the PPD debit entry constituting notice of presentment relates has been altered. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the PPD debit entry to which the item relates. [Effective September 15, 2000, with the implementation of the RCK format, the PPD Standard Entry Class Code will no longer be available for use for re-presented check entry transactions. This paragraph will be removed as it will no longer be relevant to the description of Return Reason Code R10.]

OR

For PPD Accounts Receivable Truncated Check Debit Entries, the RDFI has been notified by its customer, the Receiver, that (1) the item to which the PPD debit entry relates is ineligible as provided for within Article Two, subsection 2.9.2 (Eligible Item), (2) the required notice was not provided by the Originator in accordance with Article Three, subsection 3.6.1 (Notice Obligation), (3) all signatures on the item to which the PPDAccounts Receivable Truncated Check Debit Entry relates are not authentic or authorized, or the item to which the PPD Accounts Receivable Truncated Check Debit Entry relates has been altered, or (4) the Receiver has provided notice to the Originator not to truncate the item to which this entry relates in accordance with Article Two, subsection 2.1.4(2) (Authorization/Notification for PPD Accounts Receivable Truncated Check Debit Entries). The Receiver may request immediate credit from the RDFI for a PPD Accounts Receivable Truncated Check Debit Entry for the reasons described above. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with an executed affidavit declaring and swearing under oath that (1) the item to which the debit entry relates is ineligible, (2) the required notice was not provided, (3) all signatures on the item to which the PPD Accounts Receivable Truncated Check Debit Entry relates are not authentic or authorized, or the item to which the PPD Accounts Receivable Truncated Check Debit Entry relates has been altered, or (4) the Receiver has provided notice to the Originator not to truncate the item to which this entry relates. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the PPD debit entry to which the item relates.

R11: Check Truncation Entry Return (Specify) or State Law Affecting Acceptance of PPD Debit Entry Constituting Notice of Presentment or PPD Accounts Receivable Truncated Check Debit Entry [Check Truncation Entry Return (Specify) or State Law Affecting Acceptance of PPD Accounts Receivable Truncated Check Debit Entry]

To be used when returning a check truncation entry. This reason for return should be used only if no other return reason code is applicable. The RDFI should use the appropriate field in the addenda record to specify the reason for return (i.e., "exceeds dollar limit," "no match on ARP," "stale date," etc.).

OR

For PPD debit entries constituting notice of presentment or PPD Accounts Receivable Truncated Check Debit Entries, either [For PPD Accounts Receivable Truncated Check Debit Entries, either]

  1. the RDFI is located in a state that has not adopted Revised Article 4 of the Uniform Commercial Code (1990 Official Text) and has not revised its customer agreements to allow for electronic presentment. Or
  2. the RDFI is located in a state that requires all canceled checks to a specific type of account to be returned to the Receiver within the periodic statement.

A PPD debit entry constituting notice of presentment of an eligible item as defined by Article Two, subsection 2.8.2 (Eligible Item) or a PPD Accounts Receivable Truncated Check Debit Entry as defined by Article Two, subsection 2.9.2 (Eligible Item) returned using this Return Reason Code must be transmitted by the RDFI to its ACH Operator no later than midnight of the second banking day following the banking day of receipt of the presentment notice. [A PPD Accounts Receivable Truncated Check Debit Entry as defined by Article Two, subsection 2.9.2 (Eligible Item) returned using this Return Reason Code must be transmitted by the RDFI to its ACH Operator no later than midnight of the second banking day following the banking day of receipt of the presentment notice.]

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. Because the RDFIno longer maintains the account and is unable to post the entry, it should return the entry to the ODFI.

R13-RDFI not qualified to participate

The routing number associated with this EFT belongs to a bank that doesn't accept ACH transactions.

OR

There was a typo when entering the routing number.

R14: Representative Payee Deceased or Unable to Continue in that Capacity

The representative payee is a person or institution authorized to accept entries on behalf of one or more other persons, such as legally incapacitated adults or minor children. The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.

R15: Beneficiary or Account Holder (Other Than a Representative Payee) Deceased

  1. The beneficiary is the person entitled to the benefits and is deceased. The beneficiary may or may not be the account holder; or
  2. The account holder (acting in a non-representative payee capacity) is an owner of the account and is deceased.

R16: Account Frozen

The funds in the account are unavailable due to specific action taken by the RDFI or by legal action.

R17: File Record Edit Criteria (Specify)

Some fields that are not edited by the ACH Operatorare edited by the RDFI. If the entry cannot be processed by the RDFI, the field(s) causing the processing error must be identified in the addenda record information field of the return.

R20: Non-Transaction Account

The ACH entry destined for a non-transaction account, as defined in Regulation D, would include either an account against which transactions are prohibited or limited or a pass- through where the entry is for a credit union or thrift organization and Regulation E descriptive requirements cannot be met.

R21: Invalid Company Identification

The identification number used in the Company Identification Field is not valid. This Return Reason Code will normally be used on CIE transactions.

R22: Invalid Individual ID Number

In CIE and MTE entries, the Individual ID Number is used by the Receiver to identify the account. The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.

R23: Credit Entry Refused by Receiver

The Receiver may return a credit entry because one of the following conditions exists: (1) a minimum amount required by the Receiver has not been remitted; (2) the exact amount required has not been remitted; (3) the account is subject to litigation and the Receiver will not accept the transaction; (4) acceptance of the transaction results in an overpayment; (5) the Originator is not known by the Receiver; or (6) the Receiver has not authorized this credit entry to this account.

R24: Duplicate Entry

The RDFI has received what appears to be a duplicate entry; i.e., the trace number, date, dollar amount and/or other data matches another transaction. This code should be used with extreme care. The RDFI should be aware that if a file has been duplicated, the Originator may have already generated a reversal transaction to handle the situation.

R29: Corporate Customer Advises Not Authorized

The RDFI has been notified by the Receiver (non-consumer) that the Originator of a given transaction has not been authorized to debit the Receiver's account.

R31: Permissible Return Entry (CCD and CTX only)

The RDFI has been notified by the ODFI that the ODFI agrees to accept a CCD or CTX return entry in accordance with Article Seven, section 7.3 (ODFIAgrees to Accept CCD or CTXReturn).

R33: Return of XCK Entry

The RDFI determines at its sole discretion to return an XCK entry. This return reason code may only be used to return XCK entries. An XCK entry may be returned up to sixty days after its Settlement Date.

Codes to be Used by Federal Government Agencies Returning ENR Entries

R40: Return of ENR Entry by Federal Government Agency (ENR only)

The Federal Government Agency determines at its sole discretion to return an ENR entry. This return reason code may be used only to return ENR entries.

R41: Invalid Transaction Code (ENR only)

Either the Transaction Code included in Field 3 of the Addenda Record does not conform to the ACH Record Format Specifications contained in Appendix Two (ACH Record Format Specifications) or it is not appropriate with regard to an automated enrollment entry.

Example:

Transaction Code '28,'Prenotification of Demand Debit Authorization, for an ENRsent to Social Security Administration pertaining to a direct deposit enrollment.R42: Routing Number/Check Digit Error (ENR only)

The Routing Number and the Check Digit included in Field 3 of the Addenda Record is either not a valid number or it does not conform to the Modulus 10 formula.

R43: Invalid DFI Account Number (ENR only)

The consumer’s or company’s account number included in Field 3 of the Addenda Record must include at least one alphameric character.

R44: Invalid Individual ID Number/Identification Number (ENR only)

The Individual ID Number/Identification Number provided in Field 3 of the Addenda Record does not match a corresponding ID number in the Federal Government Agency’s records.

R45: Invalid Individual Name/Company Name (ENR only)

The name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency’s records or fails to include at least one alphameric character.

R46: Invalid Representative Payee Indicator (ENR only)

The Representative Payee Indicator Code included in Field 3 of the Addenda Record has been omitted or it is not consistent with the Federal Government Agency’s records.

Examples:

The Representative Payee Indicator Code is “zero,” and Social Security’s records indicate that payments should be sent to a representative payee on behalf of an entitled beneficiary; orThe Representative Payee Indicator Code is “one,” and Social Security’s records indicate that there is no representative payee and the beneficiary may receive payments directly.R47: Duplicate Enrollment (ENR only)

The entry is a duplicate of an automated enrollment entry previously initiated by a participant in the ENRautomated enrollment program.

Codes to be Used for the Return of RCK Entries

R50: State Law Affecting RCK Acceptance

The RDFI is located in a state that has not adopted Revised Article 4 of the Uniform Commercial Code (1990 Official Text) and has not revised its customer agreements to allow for electronic presentment.

OR

The RDFI is located within a state that requires all canceled checks to a specific type of account to be returned to the Receiver within the periodic statement.

An RCK entry that is returned using this Return Reason Code must be transmitted by the RDFI to its ACH Operator no later than midnight of the second banking day following the banking day of receipt of the presentment notice.

R51: Item is Ineligible, Notice Not Provided, Signature Not Genuine, or Item Altered (adjustment entries)

An entry may be considered to be ineligible if (1) the item to which the RCK entry relates is not an item within the meaning of Revised Article 4 of the Uniform Commercial Code (1990 Official Text); (2) the item is not a negotiable demand draft drawn on or payable through or at a Participating DFI, other than a Federal Reserve Bank or Federal Home Loan Bank; (3) the item is in an amount of $2,500 or more; (4) the item does not indicate on the face of the document that it was returned due to “Not Sufficient Funds, "NSF", Uncollected Funds,” or comparable language; (5) the item is dated more than 180 days from the date the entry is being transmitted to the RDFI (i.e., the item to which the RCK entry relates is stale dated); (6) the item is drawn on a non-Consumer Account; or (7) the item has been previously presented more than two times in its physical form, or more than one time in its physical form and more than one time as an RCK entry.

OR

The Originator did not provide notice as provided for within Article Three, subsection 3.5.2 (Notice Obligation).

OR

All signatures on the item to which the RCK entry relates are not authentic or authorized, or the item to which the RCK entry relates has been altered. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator’s deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the RCK entry to which the item relates.

R52: Stop Payment on Item (adjustment entries)

The RDFI determines that a stop payment order has been placed on the item to which the RCK entry relates. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator’s deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the RCK entry to which the item relates.

Codes to be Used by the ODFI for Automated Dishonored Return Entries

R61: Misrouted Return

The financial institution preparing the return entry (the RDFI of the original entry) has placed the incorrect Routing Number in the Receiving DFI Identification field (positions 04-12, including Check Digit, of the Entry Detail Record).

R62: Incorrect Trace Number

The Trace Number found in positions 07-21 in the Addenda Record of the return entry is different from the trace number of the original entry.

R63: Incorrect Dollar Amount

The dollar amount in the Entry Detail Record of the return entry is different from the dollar amount of the original entry.

R64: Incorrect Individual Identification

The Individual Identification Number reflected in the Entry Detail Record of the return entry is different from the Individual Identification Number/Identification Number used in the original entry.

R65: Incorrect Transaction Code

The Transaction Code in the Entry Detail Record of the return entry is not the return equivalent of the Transaction Code in the original entry. (See list of Transaction Codes in Appendix Two (ACH Record Format Specifications). All entries must be returned as received: e.g., credit as credit, debit as debit, demand as demand, savings as savings.)

R66: Incorrect Company Identification

The Company Identification number used in the Company/Batch Header Record of the return entry is different from the Company Identification number used in the original entry.

R67: Duplicate Return

The ODFI has received more than one return for the same entry.

R68: Untimely Return

The return entry has not been sent within the timeframe established by these rules.

R69: Multiple Errors

Two or more of the following fields—Original Entry Trace Number, Amount, Individual Identification Number/Identification Number, Company Identification, and/or Transaction Code—are incorrect.

R70: Permissible Return Entry Not Accepted

The ODFI has received a CCD or CTX return entry identified by the RDFI as being returned with the permission of the ODFI, but the ODFI has not agreed to accept the entry. This code may be used only to dishonor a return containing an R31 return reason code.

Codes to be Used for the Return of CBR and PBR Entries

R80: Cross-Border Payment Coding Error

The cross-border entry is being returned due to one or more of the following conditions:

  • invalid Foreign Exchange Indicator;
  • invalid ISO Originating Currency Code;
  • invalid ISO Destination Currency Code;
  • invalid ISO Destination Country Code; or
  • invalid Transaction Type Code.

R81: Non-Participant in Cross-Border Program

The cross-border entry is being returned because the Originating Gateway Operator does not have an agreement with the ODFI to process cross-border entries.

R82: Invalid Foreign Receiving DFI Identification

The reference used to identify the Foreign Receiving DFI of an outbound cross-border entry is invalid.

R83: Foreign Receiving DFI Unable to Settle

The cross-border entry is being returned due to settlement problems in the foreign payment system.

Codes To Be Used by ACH Operator

R13: RDFI Not Qualified to Participate

R18: Improper Effective Entry Date

R19: Amount Field Error

R25: Addenda Error

R26: Mandatory Field Error

R27: Trace Number Error

R28: Routing Number Check Digit Error

R30: RDFI Not Participant in Check Truncation Program

R32: RDFI Non-Settlement

R34: Limited Participation DFI

R35: Return of Improper Debit Entry

R36: Return of Improper Credit Entry


Scanning Return Codes:

X01: Misc Check21 Return

X02: Invalid Check21 Image

X03: Check21 Waiting for Collections

X04: Invalid Image

X05: Breach of Warranty

X06: Counterfeit/Forgery

X07: Refer to Maker


Check21 Return Codes:
A: Not Sufficient Funds
B: Uncollected Funds Hold
C: Stop Payment
D: Closed Account
E: Unable to Locate Account
F: Frozen/Blocked Account
G: Stale Dated
H: Post Dated
I: Endorsement Missing
J: Endorsement Irregular
K: Signature (s) Missing
L: Signature(s) Irregular
M: Non Cash Item
N: Altered/Fictitious Item
O: Unable to Process
P: Item Exceeded Dollar Limit
Q: Not Authorized
R: Branch/Account Sold
S: Refer to Maker
T: Stop Payment Suspect
U: Unusable Image
V: Image Fails Security Check
W: Cannot Determine Account

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