Zeamster

R01

Insufficient funds

Available balance is not sufficient to cover the amount of the debit entry

R02 

Bank account closed

Previously active amount has been closed by the customer of RDFI

R03

No bank account/unable to locate account

Account number does not correspond to the individual identified in the entry, or the account number designated is not an open account

R04 

Invalid bank account number

Account number structure is not valid

R05 

Reserved

Currently not in use

R06

Returned per ODFI request

ODFI requested the RDFI to return the entry

R07

Authorization revoked by customer

Receiver has revoked authorization

R08

Payment stopped

Receiver of a recurring debit has stopped payment of an entry

R09

Uncollected funds

Collected funds are not sufficient for payment of the debit entry

R10

Customer Advises Originator is Not Known to Receiver and/or Is Not Authorized by Receiver to Debit Receiver’s Account

Receiver has advised RDFI that originator is not authorized to debit his bank account

R11

Customer Advises Entry Not In Accordance with the Terms of the Authorization

To be used when there is an error in the authorization

R12

Branch sold to another RDFI

RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution

R13

RDFI not qualified to participate

Financial institution does not receive commercial ACH entries

R14

Representative payee deceased or unable to continue in that capacity

The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue in that capacity

R15

Beneficiary or bank account holder deceased

(Other than representative payee) deceased* - (1) the beneficiary entitled to payments is deceased or (2) the bank account holder other than a representative payee is deceased

R16

Bank account frozen

Funds in bank account are unavailable due to action by RDFI or legal order

R17

File record edit criteria

Entry with Invalid Account Number Initiated Under Questionable Circumstances

R18

Improper effective entry date

Entries have been presented prior to the first available processing window for the effective date.

R19

Amount field error

Improper formatting of the amount field

R20

Non-payment bank account

Entry destined for non-payment bank account defined by reg.

R21

Invalid company Identification

The company ID information not valid (normally CIE entries)

R22

Invalid individual ID number

Individual id used by receiver is incorrect (CIE entries)

R23

Credit entry refused by receiver

Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account

R24

Duplicate entry

RDFI has received a duplicate entry

R25

Addenda error

Improper formatting of the addenda record information

R26

Mandatory field error

Improper information in one of the mandatory fields

R27

Trace number error

Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record

R28

Transit routing number check digit error

Check digit for the transit routing number is incorrect

R29

Corporate customer advises not authorized

RDFI has been notified by corporate receiver that debit entry of originator is not authorized

R30

RDFI not participant in check truncation program

Financial institution not participating in automated check safekeeping application

R31

Permissible return entry (CCD and CTX only)

RDFI has been notified by the ODFI that it agrees to accept a CCD or CTX return entry

R32

RDFI non-settlement

RDFI is not able to settle the entry

R33

Return of XCK entry

RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date if the XCK entry

R34

Limited participation RDFI

RDFI participation has been limited by a federal or state supervisor

R35

Return of improper debit entry

ACH debit not permitted for use with the CIE standard entry class code (except for reversals)

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

R41

Invalid Transaction Code

R42

Routing Number/Check Digit Error

R43

Invalid DFI Account Number

R44

Invalid Individual ID Number/Identification

R45

Invalid Individual Name/Company Name

R46

Invalid Representative Payee Indicator

R47

Duplicate Enrollment

R50

State Law Affecting RCK Acceptance

R51

Item is Ineligible, Notice Not Provided, etc.

R52

Stop Payment on Item (adjustment entries)

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

Corrected Return

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

Voided

Processor Void

The transaction was voided by the processor before being sent to the bank

X01

Misc Check 21 Return

X04

Invalid Image

X05

Breach of Warranty

X06

Counterfeit / Forgery

X07

Refer to Maker

X08

Maximum Payment Attempts

X09

Item Cannot be Re-presented

X10

Not Our Item

X21

Pay None

X22

Pay All

X23

Non-Negotiable

X29

Stale Dated

X45

Misc Return

X71

RCK - 2nd Time

X72

RCK Reject - ACH

X73

RCK Reject - Payer