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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 

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