| 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 |
