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Straddle 101 - Internal
ACH Returns Quick Reference
Return Codes
Category
Reason for Return
Return Code
Description
Entry Type
RDFI Deadline
Funds Availability
3
Insufficient Funds
R01
Available balance is not sufficient to cover the dollar value of the debit entry.
ALL
24 Hrs
Uncollected Funds
R09
Sufficient book/ledger balance exists, but value of uncollected items brings available balance below amount of debit entry.
ALL
24 Hrs
Account Frozen/Entry Returned Per OFAC Instruction
R16
Funds unavailable due to action by the RDFI or by legal action; or OFAC has instructed the RDFI or Gateway to return the entry.
ALL
24 Hrs
Account Rejects
4
Account Closed
R02
Previously active account has been closed.
ALL
24 Hrs
No Account/Unable to Locate Account
R03
Account number structure is valid, but doesn't match individual identified in entry or is not an open account. (May not be used to return ARC, BOC or POP entries simply because they do not contain an individual name.)
ALL
24 Hrs
Invalid Account Number
R04
Account number structure not valid. Edit of check digit or number of account digits failed.
ALL
24 Hrs
Non-Transaction Account
R20
RDFI policies/regulations restrict activity to account indicated.
ALL
24 Hrs
Authorization
7
Unauthorized Debit To Consumer Account Using Corporate SEC Code
R05
A debit entry that was transmitted to a consumer account of the Receiver was not authorized by the Receiver. Written Statement is required.
CCD, CTX(consumer only)
60 Days
Authorization Revoked by Customer
R07
Consumer who previously authorized entries has revoked authorization with the Originator. Written Statement is required.
PPD, TEL and WEB
60 Days
Payment Stopped
R08
The Receiver has requested the stop payment of a specific ACH debit entry. Stop Payment form recommended.
ALL
24 Hrs
Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver's Account
R10
Receiver advises that an entry is not authorized. Written Statement is required.
ARC, BOC, IAT, POP, POS, PPD, TEL, WEB
60 Days
Customer Advises Entry Not in Accordance with Terms of the Authorization
R11
Authorization obtained, but error in payment (e.g. wrong amount; debit date before authorized; incomplete transaction; improper source document or exceeds reinitiation attempts). Written Statement is required.
ARC, BOC, IAT, POP, POS, PPD, TEL, WEB
60 Days
Corporate Customer Advises Not Authorized
R29
Receiver has notified RDFI that corporate debit entry transmitted to a corporate account is not authorized.
CCD, CTX
24 Hrs
Permissible Return Entry
R31
ODFI agrees to accept a return after the "24-hour" deadline of a corporate entry reported unauthorized.
CCD, CTX
Negotiated
Death
2
Representative Payee Deceased
R14
Representative Payee is deceased or unable to continue in that capacity; cease future payments. (Beneficiary may be entitled to future deposits through another account.) Used primarily for the return of federal government benefits.
Consumer Only
24 Hrs
Beneficiary or Account Holder Deceased
R15
The beneficiary entitled to benefits or account holder (other than Representative Payee) is deceased; cease future payments. Used primarily for the return of federal government benefits.
Consumer Only
24 Hrs
Special Concern
2
Credit Entry Declined by Receiver
R23
Receiver declines transaction because amount is inaccurate, results in overpayment, account is in litigation or Originator is not known to the Receiver.
ALL CREDIT ENTRIES
24 Hrs (after Receiver notifies RDFI)
Return of XCK Entry
R33
RDFI determines at its discretion to return a Destroyed Check Entry.
XCK
60 Days
Erroneous Entries
4
Returned per ODFI's Request
R06
ODFI has requested RDFI to return an entry.
ALL
Negotiated
File Record Edit Criteria/ Entry with Invalid Account Number Initiated Under Questionable Circumstances/ Return of Improperly-Initiated Reversal
R17
Fields edited by the RDFI cannot be processed. The field causing the error should be identified in the Addenda Information field of the Addenda Record. RDFI believes the transaction was initiated under questionable circumstances; 'QUESTIONABLE' should be identified in the Addenda Information field. The RDFI or Receiver has Identified a Reversing Entry as one that was importoperly intiated by the Originator or the ODFI.*Under the IRS Refund Return Opt-In Program, RDFIs can return suspicious or questionable tax refund credits using R17. If an RDFI participates in this program, it can return a tax refund credit for 60 days after the Settlement Date of the income tax refund.
ALL
24 Hrs*
Invalid Company Identification
R21
Number used in the Company ID field is incorrect.
CIE
24 Hrs
Invalid Individual Identification Number
R22
The ID number used to identify the account is not correct.
CIE, MTE
24 Hrs
Do's and Don'ts of ACH Returns
Dishonored Return Entries
What is a Dishonored Return Entry?
An ODFI has the right to dishonor a return entry received from the RDFI if the entry was found to be returned outside of the established return timeframes, or if the information in the return entry was incomplete or incorrect. Dishonored return entries must be transmitted within 5 banking days after the Settlement Date of the return entry and are identified through the use of Dishonored Return Reason Codes, which are listed below.
Return Code
DEFINITION
RDFI RESPONSE
SPECIAL CONSIDERATION
R61
Misrouted Return—Return was received by wrong financial institution due to incorrect routing number.
Return Original Entry Using Correct RTN
Obtain correct routing number from original entry detail. Since return may now be untimely, ODFI contact is suggested.
R62
Return of Erroneous or Reversing Debit—The use of the reversal process resulted in, or failed to correct, an unintended credit to the Receiver.
Contest as R77 or Accept
Verify whether both the erroneous entry and the related reversing entry were returned; or the funds related to the entry in error were not recoverable from the Receiver.
R67
Duplicate Return—More than one return entry has been sent for the same entry.
Contest as R75 or Accept
Verify whether return was a duplicate. If not, then contest as indicated. If a duplicate, accept the Dishonored Return.
R68
Untimely Return—Return entry did not meet return deadline.
Contest as R73 or Accept
Verify timeliness of return. If return was timely, contest as indicated. If return was untimely, accept the Dishonored Return.
R69
Field Errors—Return contained one or more input errors. Addenda Record indicates field(s) in error:01—Account Number 02—Trace Number 03—Amount 04—Individual ID 05—Transaction Code 06—Company ID 07—Effective Entry Date
Correct and Return as R74 or Contest as R76
Verify source of error(s) from original entry detail. Enter correct information in appropriate fields of Contested Dishonored Return and contest as R74. If no errors were found, contest as R76.
R70
Permissible Return Not Accepted/Return Not Requested—RDFI initiated a return as “R31—Permissible Return Entry” without ODFI permission or as “R06— Returned per ODFI’s Request” when the ODFI did not request such a return.
Contact ODFI Regarding Discrepancies
Use of R31 and R06 must be negotiated with the ODFI. Contact your Payments Association for clarification.
There are no rows in this table
What is a Contested Dishonored Return Entry?
An RDFI may dispute a Dishonored Return entry received from the ODFI. Contested Dishonored Return entries must be transmitted within 2 banking days after the Settlement Date of the Dishonored Return entry and are identified by Contested Dishonored
Return Reason Codes (listed below). An ODFI may not contest a Contested Dishonored Return through the ACH Network. Any further action concerning the entry must be pursued outside of the ACH Network.
What is a Corrected Return Entry?
An RDFI receiving a Dishonored Return entry indicating the return entry contained incorrect information may transmit a Corrected Return entry. This must be done within 2 banking days of the Settlement Date of the Dishonored Return entry.
Return Code
DEFINITION
R71
Misrouted Dishonored Return—ODFI misrouted the Dishonored Return to the wrong RDFI (incorrect routing number).
R72
Untimely Dishonored Return—ODFI has not sent Dishonored Return Entry by return deadline.
R73
Timely Original Return—RDFI claims the original return was sent within the timeframe designated in the ACH Rules.
R74
Corrected Return—RDFI is correcting a return which was dishonored as “R69—Field Errors” because it contained incomplete or incorrect information.
R75
Original Return Not a Duplicate—RDFI claims original return entry is not a duplicate of an entry previously returned by the RDFI, used to dishonor return reason code “R67—Duplicate Return.”
R76
No Errors Found—RDFI claims the original return entry did not contain the errors indicated by the ODFI in the Dishonored Return entry “R69—Field Errors.”
R77
Non-Acceptance of R62 Dishonored Return—RDFI returned both the erroneous entry and related reversing entry; or RDFI was unable to recover the funds related to the entry in error from the Receiver.
There are no rows in this table
ACH Operator Exceptions
What is an ACH Operator Reject?
When an ACH Operator receives an entry or entry data that does not meet the acceptance criteria of ACH record formatting specifications, it will either return the entry or reject the entire batch or file containing the entry.
Fields are subject to edit by the ACH Operator and contain data critical for posting of an ACH entry. Rejected entries are identified through the use of ACH Operator Return Reason Codes, which are listed below.
OPERATOR REJECT CODES
DESCRIPTION
REASON(S) FOR USE OF THE REJECT CODE
R13
Invalid ACH Routing Number
Entry contains an RDFI or Gateway Identification that is not a valid ACH Routing Number.
R18
Improper Effective Entry Date
Effective Entry Date of a credit entry is beyond the 2 banking day processing window. Effective date of a debit entry is beyond the 1 banking day processing window.
R19
Amount Field Error
Amount field is non-numeric; is not zero in non-valued entry (i.e., prenote, DNE, ENR, NOC, Refused NOC or zero dollar entry); is zero in a valued ACH transaction format; or is greater than $25,000 for ARC, BOC and POP entries.
R25*
Addenda Error
An error(s) exists in the Addenda Record in regard to the application of codes, incorrect values, addenda content or required formatting standards (i.e., ANSI or NACHA-endorsed banking convention).
R26*
Mandatory Field Error
An error exists in a field that is mandatory for ACH processing.
R27*
Trace Number Error
Original Entry Trace Number is not present in the Addenda Record of an automated return or the trace number disagrees with the previous entry.
R28
Routing Number Check Digit Error
The check digit for a routing number is invalid.
R30
RDFI Not Participant in Check Truncation Program
A check truncation entry is being directed to a non-participating RDFI. Routing number is incorrect for a check truncation entry.
R32
RDFI Non-Settlement
RDFI is unable to settle the entry.
R34
Limited Participation DFI
RDFI’s participation has been limited by a federal or state supervisor.
R35
Return of Improper Debit Entry
A debit entry was originated that is not permitted for a Customer-Initiated Entry (CIE) or a loan transaction.
R36
Return of Improper Credit Entry
A credit entry was originated that is not permitted for ARC, BOC, POP, RCK, TEL or XCK.
There are no rows in this table
Rejected entries have not been delivered to the intended financial institution or Receiver. Original entries or returns must be reinitiated with the correct information. Deadlines are not extended for rejected entries.
*Refer to Appendix 4 of the ACH Rules for a detailed listing of error conditions
Notifications of Change
What is a Notification of Change (NOC)?
An RDFI may send an NOC to an ODFI for the purpose of identifying incorrect information contained in an ACH entry and providing correct data for use in future entries. Correct data is contained in the change field(s) of the NOC and is sent using the Standard Entry Class (SEC) code COR. In transmitting an NOC, the RDFI’s warranty supersedes and renders inoperative any similar warranty of the ODFI. NOCs must be transmitted within 2 banking days of the Settlement Date of the entry to which the NOC relates and are identified through the use of NOC codes, which are listed below.
FIELDS CONTAINING INCORRECT INFORMATION
NOC CODE
DESCRIPTION OF ERROR
CHANGE FIELD ENTRY PROCEDURE
Account Number
C01
Account number is incorrect or is formatted incorrectly.
Enter correct account number in Change Field 1.
Routing Number
C02
Due to merger or consolidation, a once valid routing number must be changed.
Enter correct routing number in Change Field 1.
Routing Number and Account Number
C03
Due to a merger or consolidation, the routing number must be changed and account number structure is no longer valid.
Enter correct routing number in Change Field 1, and enter correct account number in Change Field 2.
Transaction Code
C05
Transaction Code is incorrect and is causing entry to be routed to the wrong type of account (checking, savings, general ledger, or loan).
Enter correct Transaction Code* in Change Field 1.
Account Number and Transaction Code
C06
Account number is incorrect and transaction is being routed to the wrong type of account (checking, savings, general ledger, or loan).
Enter correct account number in Change Field 1and correct Transaction Code* in Change Field 2.
Routing Number, Account Number and Transaction Code
C07
Due to a merger or consolidation, a routing number must be changed, account number structure is no longer valid and the transaction should be routed to another type of account.
Enter correct routing number in Change Field 1, enter correct account number in Change Field 2, and enter correct Transaction Code* in Change Field 3.
Incorrect Receiving DFI Identification
C08
Receiving DFI ID in an IAT is incorrect.
Enter correct Receiving DFI ID in first 34 positions of the Corrected Data Field.
Incorrect Individual ID Number or Incorrect Receiver ID Number
C09
Individual ID number is incorrect.
Change Fields are left blank. Verify Standard Entry Class Code; use for CIE, IAT, MTE, POS and SHR entries only
Addenda Format Error
C13
Entry Detail Record was correct, but information in the Addenda Record was unclear/formatted incorrectly (i.e., addenda information is not formatted in ANSI or NACHA-endorsed banking conventions).
Change Fields are left blank. (Correction to addenda devised by Originator and ODFI.)
Incorrect SEC Code for Outbound International Payment
C14
Used by Gateway to let ODFI know that future entries should be identified as IAT.
IAT in the first three positions of the Corrected Data Field identifies the payment as international. Further payments must use the IAT format.
There are no rows in this table
*Refer to Appendix 3 of the ACH Rules for a list of Transaction Codes.
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