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Article Check 21 Overview
ACH Return Codes
R01Insufficient Funds R34Limited Participating DFI
R02Account Closed R35Return Improper Debit Entry
R03Unable To Locate Account R36Return of Improper Credit Entry
R04Invalid Account Number R37Source Document Presented for Payment
R05Unauthorized Debit to Consumer Account R38Stop Payment on Source Document
R06Returned per ODFI Request R39Improper Source Document
R07Authorization Revoked by Customer R40Return of ENR Entry By Fed Agency
R08Payment Stopped On Item R41Invalid Transaction Code
R09Uncollected Funds R42Routing Number/Check Digit Error
R10Customer Advises Not Authorized R43Invalid DFI Account Number
R11Customer Advises Originator Not Known/Authorized R44Invalid Individual ID Number
R12Branch Sold To Another DFI R45Invalid Individual Name
R13Invalid ACH Routing Number R46Invalid Representative Payee Indicator
R14Representative Payee Deceased R47Duplicate Entrollment
R15Beneficiary or Holder Deceased R50State Law Affecting RCK Acceptance
R16Account Frozen R51Item Is Ineligible
R17File Record Edit Criteria R52Stop Payment On Item
R18Improper Effective Entry Date R53Item and ACH Entry Presented for Payment
R19Amount Field Error R61Misrouted Return
R20Non-Transaction Account R67Duplicate Return
R21Invalid Company Identification R68Untimely Return
R22Invalid Individual ID Number R69Field Errors
R23Credit Entry Refused By Receiver R70Permissible Return Entry Not Accepted
R24Duplicate Entry R71Misrouted Dishonored Return
R25Addenda Error R72Untimely Dishonored Return
R26Mandatory Field Error R73Timely Original Return
R27Trace Number Error R74Corrected Return
R28Routing Number Check Digit Error R75Original Return Not a Duplicate
R29Corporate Customer Not Authorized R76No Errors Found
R30RDFI Not Participating In Truncation R80Cross Border Payment Coding Error
R31Permissible Return Entry R81Non Participating In Cross Border
R32RDFI Non-Settlement R82Invalid Foreign Receiving DFI ID
R33Return of XCK Entry   

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