Nacha Return Codes

Code

Description

R01

Insufficient Funds

R02

Account Closed

R03

No Account/Unable to Locate Account

R04

Invalid Account Number Structure

R05

Unauthorized Debit to Consumer Account Using Corporate SEC Code

R06

Returned per ODFI's Request

R07

Authorization Revoked by by Customer

R08

Payment Stopped

R09

Uncollected Funds

R10

Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver's Account

R11

Customer Advises Entry Not in Accordance with the Terms of the Authorization

R12

Account Sold to Another DFI

R13

Invalid ACH Routing Number

R14

Representative Payee Deceased or Unable to Continue in that Capacity

R15

Beneficiary or Account Holder (Other Than a Representative Payee) Deceased

R16

Account Frozen/Entry Returned Per OFAC Instruction

R17

File Record Edit Criteria/Entry with Invalid Account Number Initiated Under Questionable Circumstances

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 (CCD and CTX only)

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

R37

Source Document Presented for Payment

R38

Stop Payment on Source Document

R39

Improper Source Document/Source Document Presented for Payment

R40

Return of ENR Entry by Federal Government Agency

R41

Invalid Transaction Code

R42

Routing Number/Check Digit Error

R43

Invalid DFI Account Number

R44

Invalid Individual ID Number/Identification Number

R45

Invalid Individual Name/Company Name

R46

Invalid Representative Payee Indicator

R47

Duplicate Enrollment

R50

State Law Affective RCK Acceptance

R51

Item Related to RCK Entry is Ineligible or RCK Entry Is Improper

R52

Stop Payment on Item Related to RCK Entry

R53

Item and RCK Entry Presented for Payment

R61

Misrouted Return

R62

Return of Erroneous or Reversing Debit

R67

Duplicate Return

R68

Untimely Return

R69

Field Error(s)

R70

Permissible Return Entry Not Accepted/Return Not Requested by ODFI

R71

Misrouted Return

R72

Untimely Dishonored Return

R73

Timely Original Return

R74

Corrected Return

R75

Return Not a Duplicate

R76

No Errors Found

R77

Non-Acceptance of R62 Dishonored Return

R80

IAT Entry Coding Error

R81

Non-Participant in IAT Program

R82

Invalid Foreign Receiving DFI Identification

R83

Foreign Receiving DFI Unable to Settle

R84

Entry Not Processed by Gateway

R85

Incorrectly Coded Outbound International Payment