ACH Return Codes – All You Need To Know About

Bywarren ray

ACH Return Codes

ACH return codes are a set of standardized response codes that indicate the status of an ACH transaction. These codes are used by financial institutions to communicate the results of ACH transactions to the originators and receivers of the transactions.

The following is a list of ACH return codes and their meanings:

  • R01 – Insufficient Funds
  • R02 – Account Closed
  • R03 – No Account/Unable to Locate Account
  • R04 – Invalid Account Number
  • R05 – Unauthorized Debit to Consumer Account
  • R06 – Returned per ODFI’s Request
  • R07 – Authorizations Revoked by Customer
  • A08 – Payment Stopped
  • A09 – Uncollected Funds
  • A10 – Customer Advises Not Authorized
  • B11 – Bank Account Frozen
  • T12 – Returned for Editing per ODFI’s Request
  • C13 – RDFI Non-Sufficient Funds (NSF) Return
  • C14 – RDFI Cancels (No Notice)
  • C15 – RDFI Returned Item Paid
  • D16 – RDFI’s Authorizing Bank Does Not Honor
  • D17 – RDFI’s Bank Unable to SendNotice of Change
  • D18 – Duplicate Entry
  • D19 – Improper Use of Multiple Endorsements or Deposit Tickets
  • D20 – Return of XCK Entry
  • D21 – Improperly Formatted Return Record
  • D22 – Invalid ACH Routing Number
  • E23 – Addenda Error
  • E24 – Field Error
  • F25 – Trace Number Error
  • P26 – Duplicate Return

If you receive an ACH return code on a transaction, it is important to take action immediately to correct the error and resubmit the payment. Depending on the reason for the return, you may need to obtain new authorization from the customer or make corrections to the payment information.

If you have any questions about ACH return codes or how to handle them, please contact your financial institution or the ACH Operator for assistance.

ACH Return Codes – Understanding RDFI & ODFI Responsibilities

When a transaction is returned, the RDFI (receiving depository financial institution) is responsible for providing the return code to the ODFI (originating depository financial institution). The ODFI is then responsible for notifying the originator of the transaction about the return.

There are a few different reasons why an ACH transaction may be returned. The most common reason is because of insufficient funds in the account, but other reasons can include Closed Account, No Account/Unable to Locate Account, and Invalid Account Number.

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