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Return Codes
What are they?
Return codes are codes determined by NACHA and indicate the reason a transaction was returned or rejected by a financial institution. NACHA (National Automated Clearing House Association) sets the rules and standards for ACH transactions. Each return code corresponds to a specific reason for why a transaction could not be processed, providing clarity to the originator and receiver of the transaction.
List of Codes
Below are common NACHA return reason codes and their meaning.
Return Reason | Meaning |
R01 | Insufficient Funds |
R02 | Account Closed |
R03 | No Account / Unable to Locate Account |
R04 | Invalid Account Number Structure |
R05 | Unauthorized Debit to Consumer Account Using Corporate SEC Code |
R06 | Returned per ODFI’s request |
R07 | Authorization Revoked by Customer |
R08 | Payment Stopped |
R09 | Uncollected Funds |
R10 | Customer Advises Not Authorized, Improper, or Ineligible |
R11 | Check Truncation Entry Return |
R12 | Account Sold to Another DFI |
R13 | Invalid ACH Routing Number |
R14 | Representative Payee Deceased or Unable to Continue in that Capacity |
R15 | Beneficiary or Account Holder (other than representative payee) deceased |
R16 | Account Frozen |
R17 | File Record Edit Criteria |
R18 | Improper Effective Entry Date |
R19 | Amount Field Error |
R20 | Non-Transaction Account |
R21 | Invalid Company Identification |
R22 | Invalid Individual ID Number |
R23 | Credit Entry Refused by Receiver |
R24 | Duplicate Entry |
R25 | Addenda Error |
R26 | Mandatory Field Error |
R27 | Trace Number Error |
R28 | Routing Number Check Digit Error |
R29 | Corporate Customer Advises Not Authorized |
R30 | RDFI Not Participant in Check Truncation Program |
R31 | Permissible Return Entry (CCD and CTX only) |
R32 | RDFI Non-Settlement |
R34 | Limited Participation of DFI |
R35 | Return of Improper Debit Entry |
R36 | Return of Improper Credit Entry |
R37 | Source Document Presented for Payment |
R38 | Stop Payment on Source Document |
R39 | Improper Source Document / Source Document Presented for Payment |
R50 | State Law Affecting RCK Acceptance |
R51 | Item Related to RCK Entry is Ineligible or RCK Entry is Improper |
R52 | Stop Payment on Item Related to RCK Entry |
R53 | Item and RCK Entry Presented for Payment |
R61 | Misrouted Return |
R67 | Duplicate Return |
R68 | Untimely Return |
R69 | Field Error(s) |
R70 | Permissible Return Entry Not Accepted / Return Not Requested by ODFI |