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BankAccountTransaction Return Codes

Code

Reason

R01

Insufficient Funds

R02

Account Closed

R03

No Account or Unable to Locate Account

R04

Invalid Account Number

R05

Unauthorized Debit to Consumer Account

R06

Returned per ODFI's Request

R07

Authorization Revoked by Customer

R08

Payment Stopped or Stop Payment on Item

R09

Uncollected Funds

R10

Customer Advises Not Authorized

R11

Uncollected Funds

R12

Branch Sold to Another DFI

R13

Invalid ACH Routing Number

R14

Representment Payee Deceased or Unable to Continue in that Capacity

R15

Beneficiary of Account Holder Deceased

R16

Account Frozen

R17

File Record Edit Criteria

R18

Improper Effective Entry Date

R19

Amount Field Error

R20

Non-transaction Account

R21

Invalid Company Identification

R22

Invalid Individual ID Number

R23

Credit Entry Refused By Receiver

R24

Duplicate Entry

R25

Addenda Error

R26

Mandatory Field Error

R27

Trace Number Error

R28

Routing Number or Check Digit Error

R29

Corporate Customer Advises Not Authorized

R30

RDFI Not Participant in Check Truncation Program

R31

Permissible Return Entry

R32

RDFI Nonsettlement

R33

Return of XCK Entry

R34

Limited Participation DFI

R35

Return of Improper Debit Entry

R36

Return of Improper Credit Entry

R37

Source Document Presented for Payment

R38

Stop Payment on Source Document

R39Improper Source Document
R40Return of ENR Entry by Federal Government Agency (*ENR Only)
R41Invalid Transaction Code (*ENR Only)
R42Routing Number / Check Digit Error (*ENR Only)
R43

Invalid DFI Account Number (*ENR Only)

R44Invalid Individual ID Number / Identification Number (*ENR Only)
R45Invalid Individual Name / Company Name (*ENR Only)
R46Invalid Representative Payee Indicator (*ENR Only)
R47Duplicate Enrollment (*ENR Only)
R50State Law Affecting RCK Acceptance
R51Item is Ineligible, Notice Not Provided, Signature Not Genuine, Item Altered, or Amount of Entry Not Accurately Obtained from Item
R52Stop Payment on Item
R53Item and ACH Entry Presented for Payment
R61Misrouted Return
R62Incorrect Trace Number
R63Incorrect Dollar Amount
R64Incorrect Individual Identification
R65Incorrect Transaction Code
R66Incorrect Company Identification
R67Duplicate Return
R68Untimely Return
R69Multiple Errors
R70Permissible Return Entry Not Accepted
R71Misrouted Dishonored Return
R72Untimely Dishonored Return
R73Timely Original Return
R74Correct Return
R75Original Return Not a Duplicate
R76No Errors Found
R80Cross-Border Payment Coding Error
R81Non-Participant in Cross-Border Program
R82Invalid Foreign Receiving DFI Identification
R83Foreign Receiving DFI Unable to Settle
R84Entry Not Processed by OGO
M01Manual Return
M02Paper/Manual Return

*ENR entries are initiated by an receiving depository financial institution (RDFI), at the request of a receiver, to enroll the receiver in direct deposit or direct payment to a federal government agency.

Notification Of Change Codes

CodeReason
C01Incorrect DFI Account NUmber
C02Incorrect Routing Number
C03Incorrect Routing Number and Incorrect DFI Account Number
C04Incorrect Individual Name / Receiving Company Name
C05Incorrect Transaction Code
C06Incorrect DFI Account Number and Incorrect Transaction Code
C07Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code
C08Incorrect Foreign Receiving DFI Identification
C09Incorrect Individual Identification Number
C10Incorrect Company Name
C11Incorrect Company Identification
C12Incorrect Company Name and Incorrect Company Identification
C13Addenda Format Error
C61Misrouted Notification of Change
C62Incorrect Trace Number
C63Incorrect Company Identification Number
C64Incorrect Individual Identification / ID Number
C65Incorrectly Formatted Corrected Data
C66Incorrect Discretionary Data
C67Routing Number Not From Original Entry Detail Record
C68DFI Account Number Not From Original Entry Detail Record
C69Incorrect Transaction Code