| ACH Return Codes | |||
|---|---|---|---|
| R01 | Insufficient Funds | R34 | Limited Participating DFI |
| R02 | Account Closed | R35 | Return Improper Debit Entry |
| R03 | Unable To Locate Account | R36 | Return of Improper Credit Entry |
| R04 | Invalid Account Number | R37 | Source Document Presented for Payment |
| R05 | Unauthorized Debit to Consumer Account | R38 | Stop Payment on Source Document |
| R06 | Returned per ODFI Request | R39 | Improper Source Document |
| R07 | Authorization Revoked by Customer | R40 | Return of ENR Entry By Fed Agency |
| R08 | Payment Stopped On Item | R41 | Invalid Transaction Code |
| R09 | Uncollected Funds | R42 | Routing Number/Check Digit Error |
| R10 | Customer Advises Not Authorized | R43 | Invalid DFI Account Number |
| R11 | Customer Advises Originator Not Known/Authorized | R44 | Invalid Individual ID Number |
| R12 | Branch Sold To Another DFI | R45 | Invalid Individual Name |
| R13 | Invalid ACH Routing Number | R46 | Invalid Representative Payee Indicator |
| R14 | Representative Payee Deceased | R47 | Duplicate Entrollment |
| R15 | Beneficiary or Holder Deceased | R50 | State Law Affecting RCK Acceptance |
| R16 | Account Frozen | R51 | Item Is Ineligible |
| R17 | File Record Edit Criteria | R52 | Stop Payment On Item |
| R18 | Improper Effective Entry Date | R53 | Item and ACH Entry Presented for Payment |
| R19 | Amount Field Error | R61 | Misrouted Return |
| R20 | Non-Transaction Account | R67 | Duplicate Return |
| R21 | Invalid Company Identification | R68 | Untimely Return |
| R22 | Invalid Individual ID Number | R69 | Field Errors |
| R23 | Credit Entry Refused By Receiver | R70 | Permissible Return Entry Not Accepted |
| R24 | Duplicate Entry | R71 | Misrouted Dishonored Return |
| R25 | Addenda Error | R72 | Untimely Dishonored Return |
| R26 | Mandatory Field Error | R73 | Timely Original Return |
| R27 | Trace Number Error | R74 | Corrected Return |
| R28 | Routing Number Check Digit Error | R75 | Original Return Not a Duplicate |
| R29 | Corporate Customer Not Authorized | R76 | No Errors Found |
| R30 | RDFI Not Participating In Truncation | R80 | Cross Border Payment Coding Error |
| R31 | Permissible Return Entry | R81 | Non Participating In Cross Border |
| R32 | RDFI Non-Settlement | R82 | Invalid Foreign Receiving DFI ID |
| R33 | Return of XCK Entry | ||
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