Return Reason Codes

Question 1

R01

Answer 1

Insufficient funds

Question 2

R02

Answer 2

Account closed

Question 3

R03

Answer 3

No account/unable to locate account

Question 4

R04

Answer 4

Invalid account number structure

Question 5

R05

Answer 5

Unauthorized debit to consumer account using corporate SEC code

Question 6

R06

Answer 6

Returned per ODFI request

Question 7

R07

Answer 7

Authorization revoked by customer

Question 8

R08

Answer 8

Payment stopped

Question 9

R09

Answer 9

Uncollected funds

Question 10

R10

Answer 10

Customer advises originator is not known and/or originator is not authorized by receiver to debit receiver’s account

Question 11

R11

Answer 11

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

Question 12

R14

Answer 12

Representative payee deceased or unable to continue in that capacity

Question 13

R15

Answer 13

Beneficiary or account holder deceased

Question 14

R16

Answer 14

Account frozen/returned per face request

Question 15

R17

Answer 15

File records edit criteria/entry initiated under questionable circumstances/return of improperly initiated reversal

Question 16

R23

Answer 16

Credit entry refused by receiver

Question 17

R29

Answer 17

Corporate customer advises not authorized

Question 18

R31

Answer 18

Permissible return entry (CCD/CTX only)

Question 19

R33

Answer 19

Return of XCK entry

Question 20

R37

Answer 20

Source document presented for payment

Question 21

R38

Answer 21

Stop payment on source document

Question 22

R39

Answer 22

Improper source document

Question 23

R50

Answer 23

State law affecting RCK acceptance

Question 24

R51

Answer 24

Item related to RCK entry is ineligible or RCK entry is improper

Question 25

R52

Answer 25

Stop payment on item related to RCK entry

Question 26

R53

Answer 26

Item and RCK entry presented for payment

Question 27

R80

Answer 27

IAT entry coding error

Question 28

R81

Answer 28

Non participant in IAT program

Question 29

R82

Answer 29

Invalid foreign receiving DFI identification

Question 30

R85

Answer 30

Incorrectly coded outbound international payment