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Nacha ACH Return Codes

Authors

    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