Full R01–R85 return code reference with descriptions and recommended actions
Available balance is not sufficient to cover the dollar amount of the debit entry.
A previously active account has been closed by action of the customer or the RDFI.
The account number does not correspond to the individual identified in the entry, or the account number designated is not an open account.
The account number structure is not valid. The entry may fail the check digit validation or may contain an incorrect number of digits.
A CCD or CTX debit entry was transmitted to a consumer account of the receiver and was not authorized by the receiver.
The ODFI has requested that the RDFI return an erroneous entry, or a credit entry originated without the authorization of the originator.
The RDFI's customer (the receiver) revoked the authorization previously provided to the originator for this specific transaction.
The receiver has placed a stop payment order on this specific ACH debit entry.
Sufficient book or ledger balance exists, but the dollar amount of the debit entry caused the available balance to fall below zero due to uncollected funds.
The receiver has advised the RDFI that the originator of this entry is not known to the receiver, or the receiver has not authorized the entry.
Used when returning a check truncation entry. The RDFI determines the entry was submitted in error.
A financial institution received an entry to an account that has been sold to another financial institution.
The routing number is not a valid ACH participant, or the routing number check digit is incorrect.
The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue.
The beneficiary entitled to payments is deceased. Applies to government benefit payments (ENR and federal government ACH entries).
Funds in the account are unavailable due to a specific action by the RDFI or by legal action, or the entry has been returned per OFAC instruction.
An entry with fields that are not valid for the type of entry was identified during processing (e.g., the entry does not meet the RDFI's processing criteria).
The ACH entry destined for a non-transaction account (e.g., a savings account that does not permit ACH debits under Regulation D).
The company identification field is not valid. This is typically used with CIE entries.
The individual identification number used in the entry is invalid.
Any credit entry that is refused by the receiver. The RDFI returns the entry at the request of the receiver.
The RDFI has determined that this entry is a duplicate of a previously processed entry.
An addenda record required for a specific transaction type is missing or contains invalid data.
A mandatory field in the entry or addenda record is missing, improperly formatted, or contains invalid data.
The trace number in the return or NOC does not match the original entry's trace number.
The check digit for the transit routing number is incorrect.
The RDFI has been notified by the corporate receiver that a specific entry has not been authorized.
The RDFI does not participate in the check truncation program.
The RDFI may return a CCD or CTX entry that the ODFI agrees to accept.
The RDFI is unable to settle the entry.
An XCK (destroyed check) entry is being returned.
The RDFI participation has been limited by a federal or state supervisor.
An ACH debit entry was not permitted under the rules (e.g., healthcare claim payment).
An ACH credit entry was not permitted under the rules.
The source document to which an ARC, BOC, or POP entry relates has been presented for payment.
A stop payment has been placed on the source document for an ARC, BOC, or POP entry.
The source document used for the entry was improper or was not signed by the receiver.
The federal government agency determines that the ENR entry cannot be processed.
The transaction code is not valid for the type of entry.
The routing number and/or check digit is invalid for the transit routing number.
The DFI account number is invalid for the specified type of transaction.
The individual ID number or identification is not valid.
The individual or company name field contains invalid information.
The representative payee indicator code is not consistent with the type of account or entry.
The enrollment entry conflicts with information previously provided to the government agency.
The RDFI is located in a state that does not allow RCK entries, or the receiver's account is subject to state law restrictions.
The item related to the RCK entry was not eligible for conversion or the RCK entry was improper.
A stop payment order has been placed on the item related to the RCK entry.
Both the original item and the RCK entry have been presented for payment.
The return entry has been misrouted; the RDFI has received a return that should have been sent to a different ODFI.
The RDFI has already returned this entry or a return was already processed.
The return entry was not sent within the required timeframes specified by NACHA rules.
One or more fields in the return entry contain incorrect values.
The ODFI has not agreed to accept a permissible return entry from the RDFI.
A dishonored return has been sent to the wrong party.
The dishonored return was not sent within the required timeframe.
The RDFI certifies that the original return entry was sent in a timely manner.
The RDFI is correcting a previous return entry.
The return entry is not a duplicate of a previously processed return.
The RDFI has reviewed the contested return and found no errors.
The IAT entry contains incorrect coding in one or more fields specific to international transactions.
The RDFI does not participate in the IAT program.
The foreign receiving DFI identification is invalid for the IAT entry.
The foreign receiving DFI is unable to settle the IAT entry.
The IAT entry was not processed by the gateway operator.
An outbound international payment was coded incorrectly.