Check Return Codes

Question 1

NSF - Not Sufficient Funds

Answer 1

A

Question 2

UCF - Uncollected Funds Hold

Answer 2

B

Question 3

Stop Payment

Answer 3

C

Question 4

Closed Account

Answer 4

D

Question 5

UTLA - Unable to Locate Account

Answer 5

E

Question 6

Frozen/Blocked Account–Account has Restrictions placed on it by either customer or ban

Answer 6

F

Question 7

Stale Dated

Answer 7

G

Question 8

Post Dated

Answer 8

H

Question 9

Endorsement Missing

Answer 9

I

Question 10

Endorsement Irregular

Answer 10

J

Question 11

Signature Missing

Answer 11

K

Question 12

Signature Irregular, Suspected Forgery

Answer 12

L

Question 13

Non-Cash Item (Non-Negotiable) n

Answer 13

M

Question 14

Altered/Fictitious Item/Suspected Counterfeit/Counterfeit

Answer 14

N

Question 15

Unable to Process

Answer 15

O

Question 16

Item outside of stated dollar amount limit

Answer 16

P

Question 17

Not Authorized

Answer 17

Q

Question 18

Not Our Item / Wrong Bank

Answer 18

R

Question 19

Refer to Maker

Answer 19

S

Question 20

Item cannot be re-presented (Exceeds number of allowable times item can be presented

Answer 20

T

Question 21

Unusable Image (I(mage could not be used for required business purpose) Gross image defect

Answer 21

U

Question 22

Cannot Determine Amount–Amount cannot be verified

Answer 22

W

Question 23

Refer to Image–Return Reason information is contained within the image of the item

Answer 23

X

Question 24

Duplicate Presentment (Supporting documentation shall be readily available)

Answer 24

Y

Question 25

Forgery–An affidavit shall be available upon request

Answer 25

Z

Question 26

Warranty Breach (Includes Rule 8 & 9 claims)

Answer 26

3

Question 27

ECCHO RCC Warranty Breach (Rule 8)

Answer 27

4

Question 28

ECCHO Forged and Counterfeit Warranty Breach (Rule 9)

Answer 28

5

Question 29

Retired/Ineligible/Failed Institution Routing Number

Answer 29

6

Question 30

I - for Administrative Return

Answer 30

Image Missing

Question 31

I - for Customer Return

Answer 31

Endorsement Missing

Question 32

Q - for Administrative Return

Answer 32

Ineligible

Question 33

Q - for Customer Return

Answer 33

Not Authorized

Question 34

T - for Administrative Return

Answer 34

Item cannot be re-presented

Question 35

T - for Customer Return

Answer 35

Item cannot be re-presented

Question 36

u - for Administrative Return

Answer 36

Unusable Image

Question 37

U - for Customer Return

Answer 37

Unusable Image

Question 38

V - for Administrative Return

Answer 38

Image Fails Security Check

Question 39

Y - for Administrative Return

Answer 39

Duplicate Presentment

Question 40

Y - for Customer Return

Answer 40

Duplicate Presentment

Question 41

1

Answer 41

Does not conform with ANSI X9.100-181 Specification f

Question 42

2

Answer 42

Does not conform ASC X9 TR 47 Universal Companion Document

Question 43

Return reason I for Customer return and for Administrative return?

Answer 43

Customer return - Endorsement Missing Administrative return - Image Missing

Question 44

Return reason Q for Customer return and for Administrative return?

Answer 44

Customer - Not Authorized Administrative - Ineligible

Question 45

Return reason T for Customer return and for Administrative return?

Answer 45

Same for both: Item cannot be re-presented

Question 46

Return reason U for Customer return and Administrative return?

Answer 46

Same for both: Unusable Image

Question 47

Return reason Y for Customer return and Administrative return?

Answer 47

Same for both: Duplicate Presentment

Question 48

Return reason codes that are different for Administrative and Customer returns?

Answer 48

I and Q

Question 49

Return reason codes that fall under both Administrative and Customer returns?

Answer 49

T, U, and Y