ACH Return Codes

The Action column shows the suggested follow-up action for the most commonly received ACH return codes.  If you receive an ACH return code and are unsure of what action to take, please contact us at

Return CodeReturn DefinitionAction
R01Insufficient fundsRetry
R02Invalid or Account closedContact customer for updated account information
R03Unknown AccountContact customer for updated account information
R04Unknown or Account ClosedContact customer for updated account information
R05Reserved – Never received
R06Return requested by ODFI
R07Authorization revokedContact customer
R08Stop paymentContact customer
R09Uncollected fundsRetry
R10Not authorizedContact customer
R11Check truncation entry return (If ARC or RCK)
R12Branch sold to another DFI
R13ACH Oper. – RDFI not qualified to participate
R14Payee deceased
R15Beneficiary deceased
R16Account frozenContact customer for updated account information
R18ACH Oper. – Improper effective entry date
R19ACH Oper. – Amount field error
R20Non-transaction account (If general ledger)
R21Invalid company identification
R22Invalid individual ID number
R23Credit entry refused by the receiver
R24Duplicate entry
R25ACH Oper. – Addenda error
R26ACH Oper. – Mandatory field error
R27ACH Oper. – Trace number error
R28ACH Oper. – Routing # check digit error
R29Corp. cust. adviser not auth.
R30ACH Oper. – RDFI non-part truncation prob
R31Permissible return entry
R32ACH Oper. – RDFI non-settlement
R33Return of XCK entry
R34ACH Oper. - Limited participation DFI
R35ACH Oper. – Return of improper debit entry
R36ACH Oper. – Return of improper credit entry
R37Source document presented for payment
R40Return of ENR entry by Fed. Gov. Agency
R41Invalid transaction code
R42Routing #/check digit error
R43Inv. DFI acct. number
R44Inv. Individual ID number
R45Inv. Individual name/company name
R46Inv. Rep. Payee indicator
R47Duplicate enrollment
R50State Law affecting RCK acceptance
R51Item is ineligible (RCK)
R52Stop payment on item (RCK)
R53Item and ACH Entry Presented for Payment
R61ODFI Use – Misrouted Return
R62ODFI Use – Incorrect Trace Number
R63ODFI Use – Incorrect Dollar Amount
R64ODFI Use – Incorrect Individual Identification
R65ODFI Use – Incorrect Transaction Code
R66ODFI Use – Incorrect Company Identification
R67ODFI Use – Duplicate Return
R68ODFI Use – Untimely Return
R69ODFI Use – Multiple Errors
R70ODFI Use – Permission Return Entry Not Accepted
R71Contested – Misrouted Dishonored Return
R72Contested – Untimely Dishonored Return