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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

R39 Improper Source Document
R40 Return of ENR Entry by Federal Government Agency (*ENR Only)
R41 Invalid Transaction Code (*ENR Only)
R42 Routing Number / Check Digit Error (*ENR Only)
R43

Invalid DFI Account Number (*ENR Only)

R44 Invalid Individual ID Number / Identification Number (*ENR Only)
R45 Invalid Individual Name / Company Name (*ENR Only)
R46 Invalid Representative Payee Indicator (*ENR Only)
R47 Duplicate Enrollment (*ENR Only)
R50 State Law Affecting RCK Acceptance
R51 Item is Ineligible, Notice Not Provided, Signature Not Genuine, Item Altered, or Amount of Entry Not Accurately Obtained from Item
R52 Stop Payment on Item
R53 Item and ACH Entry Presented for Payment
R61 Misrouted Return
R62 Incorrect Trace Number
R63 Incorrect Dollar Amount
R64 Incorrect Individual Identification
R65 Incorrect Transaction Code
R66 Incorrect Company Identification
R67 Duplicate Return
R68 Untimely Return
R69 Multiple Errors
R70 Permissible Return Entry Not Accepted
R71 Misrouted Dishonored Return
R72 Untimely Dishonored Return
R73 Timely Original Return
R74 Correct Return
R75 Original Return Not a Duplicate
R76 No Errors Found
R80 Cross-Border Payment Coding Error
R81 Non-Participant in Cross-Border Program
R82 Invalid Foreign Receiving DFI Identification
R83 Foreign Receiving DFI Unable to Settle
R84 Entry Not Processed by OGO
M01 Manual Return
M02 Paper/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

Code Reason
C01 Incorrect DFI Account NUmber
C02 Incorrect Routing Number
C03 Incorrect Routing Number and Incorrect DFI Account Number
C04 Incorrect Individual Name / Receiving Company Name
C05 Incorrect Transaction Code
C06 Incorrect DFI Account Number and Incorrect Transaction Code
C07 Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code
C08 Incorrect Foreign Receiving DFI Identification
C09 Incorrect Individual Identification Number
C10 Incorrect Company Name
C11 Incorrect Company Identification
C12 Incorrect Company Name and Incorrect Company Identification
C13 Addenda Format Error
C61 Misrouted Notification of Change
C62 Incorrect Trace Number
C63 Incorrect Company Identification Number
C64 Incorrect Individual Identification / ID Number
C65 Incorrectly Formatted Corrected Data
C66 Incorrect Discretionary Data
C67 Routing Number Not From Original Entry Detail Record
C68 DFI Account Number Not From Original Entry Detail Record
C69 Incorrect Transaction Code