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Nacha ACH Return Codes
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If your company does any kind of eCheck ACH processing you'll want to get familiar with at least a couple of these return codes from NACHA.
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Return Code
Description
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 ODFIs Request
R07
Authorization Revoked by Customer
R08
Payment Stopped or Stop Payment on Item
R09
Uncollected Funds
R10
Customer Advises Not Authorized
R11
Check Truncation Entry Return
R12
Branch sold to another DFI
R13
RDFI not qualified to participate
R14
Representment payee deceased or unable to continuein that capacity
R15
Beneficiary of account holder 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
R32
RDFI non-settlement
R33
Return of XCK entry
R34
Limited participation DFI
R35
Return of improper debit entry
R36
Return of improper credit entry
R38
Stop Payment on Source Document
R40
Return of ENR entry by Federal Government Agency (ENR Only)
R41
Invalid transaction code (ENR Only)
R42
Routing number/check digit error (ENR only)
R43
Invalid DFI account number (ENR only)
R44
Invalid individual ID number (ENR only)
R45
Invalid individual name/company name (ENR only)
R46
Invalid representative payee indicator (ENR only)
R47
Duplicate enrollment
R50
State Law Affecting RCK Acceptance
R51
Item is Ineligible, Notice Not Provided, Signature not genuine
R52
Stop Payment on Item
R61
Misrouted return
R62
Incorrect trace number
R63
Incorrect dollar amount
R64
Incorrect individual identification
R65
Incorrect transaction code
R66
Incorrect company identification
R67
Duplicate return
R68
Untimely Return
R69
Multiple Errors
R70
Permissible return entry not accepted
R71
Misrouted dishonored return
R72
Untimely dishonored return
R73
Timely original return
R74
Corrected return
R80
Cross-Border Payment Coding Error
R81
Non-Participant in Cross-Border Program
R82
Invalid Foreign Receiving DFI Identification
R83
Foreign Receiving DFI Unable to Settle
Change Code
Description
C01
Incorrect DFI Account Number
C02
Incorrect Transit/Routing Number
C03
Incorrect Transit/Routing Number and Incorrect DFI Account Number
C04
Incorrect Individual Name
C05
Incorrect Transaction Code
C06
Incorrect DFI Account Number and Incorrect Transaction Code
C07
Incorrect Transit/Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code
C08
Reserved
C09
Incorrect Individual Identification Number
C10
Incorrect Company Name
C11
Incorrect Company Identification
C12
Incorrect Company Name and Company Identification
C13
Addenda Format Error
C61
Misrouted Notification of Change
C62
Incorrect Trace Number
C63
Incorrect Company Identification Number
C64
Incorrect Individual Identification Number
C65
Incorrectly Formatted Corrected Data
C66
Incorrect Discretionary Data
C67
Routing Number Not From Original Entry Detail Record
C68
DFI Account Number Not From Original Entry Detail Record
C69
Incorrect Transaction Code