Check Return Codes

Code

Description

A

NSF - Not sufficient funds

B

UCF - Uncollected funds hold

C

Stop payment

D

Closed account

E

UTLA - Unable to locate account

F

Frozen/blocked account. Account has restrictions placed on it by either customer or bank

G

Stale dated

H

Post dated

I

Endorsement missing

J

Endorsement irregular

K

Signature(s) missing

L

Signature(s) irregular, suspected forgery

M

Non-cash item (non negotiable)

N

Altered/fictitious Item. Suspected counterfeit/counterfeit

O

Unable to process (e.g. unable to process physical item/mutilated such that critical payment information is missing). This code shall not be used for unusable images or system problems (see administrative code ‘U’)

P

Item exceeds stated max value

Q

Not authorized (Includes drafts) – unauthorized item such as a draft

R

Branch/account sold (wrong bank) – divested account, not our item

S

Refer to maker

T

Item cannot be re-presented (exceeds number of allowable times the item can be presented)

U

Unusable Image (image could not be used for required business purpose, e.g. gross image defects, illegible, etc.)

W

Cannot determine amount – amount cannot be verified

X

Refer to image – return reason information is contained within the image of the item.

Y

Duplicate presentment (supporting documentation shall be readily available)

Z

Forgery – an affidavit shall be available upon request

3

Warranty breach (includes rule 8 & 9 claims)

4

RCC warranty breach (rule 8)

5

Forged and counterfeit warranty breach (rule 9)

6

Retired/ineligible routing number

7

Reserved for future use by X9

8

Reserved for future use by X9

9

Reserved for future use by X9

0

Reserved for future use by X9