Return Reason Codes

Question 1

R01

Answer 1

Insufficient Funds

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 2

R02

Answer 2

Account Closed

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 3

R03

Answer 3

No Account/ Unable to Locate account

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 4

R04

Answer 4

Invalid account number structure.

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 5

R05

Answer 5

Unauthorized Debit
to consumer account
using corporate SEC Code

Return initiated by RDFI to Consumer

WSUD needed

(60 Calendar Days)

Question 6

R06

Answer 6

Return per ODFI’s Request.

Return initiated by the RDFI to a consumer or non-consumer

Time frame determined by ODFI and RDFI.

Question 7

R07

Answer 7

Authorization Revoked by Customer

Return initiated by the RDFI to a consumer

(60 Calendar Days)

Question 8

R08

Answer 8

Payment Stopped

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 9

R09

Answer 9

Uncollected Funds

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 10

R10

Answer 10

Customer advises originator is not known
or authorized to debit account.

Extended return Initiated by RDFI to a consumer for ARC, BOC, IAT, or POP, entries may also be a non consumer.

WSUD needed

(60 Calendar Days)

Question 11

R11

Answer 11

Customer advises entry not in accordance with the terms of the authorization.

Extended return initiated by RDFI to a consumer. For ARC, BOC, IAT, or POP, entries may also be a non consumer.

WSUD needed

(60 Calendar Days)

Question 12

R12

Answer 12

Account sold to another DFI

Initiated by the RDFI to a consumer or non consumer

(2 Banking Days)

Question 13

R13

Answer 13

Invalid ACH Routing Number.

This reject/return is initiated by the ACH Operator to a consumer or non consumer.

Time Frame: Next file delivery time following processing

Question 14

R14

Answer 14

Representative Payee deceased or unable to continue in that capacity.

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 15

R15

Answer 15

Beneficiary or Account Holder Deceased

Return initiated by the RDFI to a consumer

(2 Banking Days)

Question 16

R16

Answer 16

Account Frozen/Entry returned per OFAC instructions.

Return Initiated by RDFI or Gateway to a consumer on non-consumer

(2 Banking Days)

Question 17

R17

Answer 17

• Invalid account info.
• Questionable.
• Suspicious.
• Anomalous.

Return initiated by RDFI to a consumer or non consumer.

The RDFI must insert “QUESTIONABLE” within the first twelve positions of the Addenda Info. Field.

(2 Banking Days)

Question 18

R18

Answer 18

Improper Effective Entry Date

Reject/Return initiated by the ACH Operator to a consumer or non consumer.

Return Time Frame: Next file delivery time following processing.

Question 19

R19

Answer 19

Amount Field Error

Return/Reject initiated by the ACH operator to a consumer or non consumer.

Return time frame: Next file delivery time following processing.

Question 20

R20

Answer 20

Non-Transaction Account

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 21

R21

Answer 21

Invalid Company Identification Number

Return initiated by the RDFI to a non-consumer

Generally used on CIE transactions.

(2 Banking Days)

Question 22

R22

Answer 22

Invalid Individual ID Number

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 23

R23

Answer 23

Credit Entry refused by receiver

Return initiated by the RDFI to a consumer or non-consumer

(Must be transmitted to ACH Operator and available to ODFI by opening of 2nd business day)

Question 24

R24

Answer 24

Duplicate Entry

Return initiated by the RDFI to a consumer or non-consumer

(2 Banking Days)

Question 25

R25

Answer 25

Addenda Error Reject/Return initiated by ACH Operator to a consumer or non consumer. Time Frame: Next file delivery time following processing

Question 26

R26

Answer 26

Mandatory Field Error Erroneous data or missing data in a mandatory field. Reject/Return initiated by ACH Operator to consumer or non consumer Time Frame: Next file delivery time following processing.

Question 27

R27

Answer 27

Trace Number Error Reject/Return initiated by ACH Operator to a consumer or non consumer. Time Frame: Next file delivery time following processing.

Question 28

R28

Answer 28

Routing Number Check digit error Reject/Return initiated by ACH Operator to a consumer or non consumer. Time Frame: Next file delivery time following processing.

Question 29

R29

Answer 29

Corporate customer advises not authorized Return Initiated by RDFI to a non consumer. (2 Banking Days)

Question 30

R30

Answer 30

RDFI not participant in check truncation program. Reject/Return Initiated by ACH Operator no a consumer or non consumer account. Time Frame: Next file delivery time following processing.

Question 31

R31

Answer 31

Permissible Return Entry (CCD and CTX only) The RDFI may return a CCD or CTX entry that the ODFI agrees to accept. Return initiated by RDFI to a non consumer Time Frame determined by the ODFI and RDFI

Question 32

R32

Answer 32

RDFI non-settlement The RDFI is unable to settle the entry. Reject/Return initiated by ACH Operator to a consumer or non consumer. Time Frame Next file delivery time following processing.

Question 33

R33

Answer 33

Return of XCK Entry Extended return initiated by RDFI to a consumer or non consumer. (60 Calendar Days)

Question 34

R34

Answer 34

Limited Participation DFI The RDFI's participation has been limited by a federal or state supervisor. Reject/Return initiated by ACH Operator to a consumer or non consumer. Time Frame: Next file delivery time following processing

Question 35

R35

Answer 35

Return of improper debit entry Are not permitted for CIE Reject/Return initiated by ACH Operator to a consumer or non consumer account. Time Frame: Next file delivery time following processing

Question 36

R36

Answer 36

Return of improper Credit entry are not permitted for use with ARC, BOCK, POP, RCT, TEL, and XCK Reject/Return initiated by ACH Operator to a consumer or non consumer. Time Frame: Next file delivery time following processing.

Question 37

R37

Answer 37

Source Document presented for payment. Source document to which an ARC, BOC, OR POP entry relates has been presented for payment. Extended Return initiated by RDFI to a consumer or non consumer. (60 Calendar Days)

Question 38

R38

Answer 38

Stop payment on source document The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC entry relates. Extended return initiated by RDFI to a consumer or non consumer. (60 Calendar Days)

Question 39

R39

Answer 39

Improper Source document/ source document presented for payment Return initiated by RDFI to a consumer or non consumer. (2 Banking Days)