Nacha Return Codes
| Code | Description | Locks account |
|---|---|---|
| R01 | Insufficient Funds | Does not lock |
| R02 | Account Closed | Locks external account |
| R03 | No Account / Unable to Locate Account | Locks external account |
| R04 | Invalid Account Number Structure | Locks external account |
| R05 | Unauthorized Debit to Consumer Account Using Corporate SEC code | Locks customer and external accounts only when GlobalAccountAccessEnabled is false |
| R06 | Returned per ODFI’s Request | Does not lock |
| R07 | Authorization Revoked by Customer | Locks customer and external accounts only when GlobalAccountAccessEnabled is false |
| R08 | Payment Stopped | Does not lock |
| R09 | Uncollected Funds | Does not lock |
| R10 | Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver's Account | Locks customer and external accounts only when GlobalAccountAccessEnabled is false |
| R11 | Customer Advises Entry Not in Accordance with the Terms of the Authorization | Locks customer and external accounts only when GlobalAccountAccessEnabled is false |
| R12 | Account Sold to Another DFI | Locks external account |
| R13 | Invalid ACH Routing Number | Locks external account |
| R14 | Representative Payee Deceased or Unable to Continue in That Capacity | Does not lock |
| R15 | Beneficiary or Account Holder (Other Than a Representative Payee) Deceased | Does not lock |
| R16 | Account Frozen / Entry Returned per OFAC Instruction | Locks external account |
| R17 | File Record Edit Criteria / Entry with Invalid Account Number Initiated Under Questionable Circumstances / Return of Improperly - Initiated Reversal | Locks external account only when GlobalAccountAccessEnabled is false |
| R18 | Improper Effective Entry Date | Does not lock |
| R19 | Amount Field Error | Does not lock |
| R20 | Non-Transaction Account | Locks external account |
| R21 | Invalid Company Identification | Does not lock |
| R22 | Invalid Individual ID Number | Does not lock |
| R23 | Credit Entry Refused by Receiver | Locks external account |
| R24 | Duplicate Entry | Does not lock |
| R25 | Addenda Error | Does not lock |
| R26 | Mandatory Field Error | Does not lock |
| R27 | Trace Number Error | Does not lock |
| R28 | Routing Number Check Digit Error | Does not lock |
| R29 | Corporate Customer Advises Not Authorized | Does not lock |
| R30 | RDFI Not Participant in Check Truncation Program | Does not lock |
| R31 | Permissible Return Entry (CCD and CTX only) | Does not lock |
| R32 | RDFI Non-Settlement | Does not lock |
| R33 | Return of XCK Entry | Does not lock |
| R34 | Limited Participation DFI | Does not lock |
| R35 | Return of Improper Debit Entry | Does not lock |
| R36 | Return of Improper Credit Entry | Does not lock |
| R37 | Source Document Presented for Payment | Does not lock |
| R38 | Stop Payment on Source Document | Does not lock |
| R39 | Improper Source Document / Source Document Presented for Payment | Does not lock |
| R40 | Return of ENR Entry by Federal Government Agency | Does not lock |
| R41 | Invalid Transaction Code | Does not lock |
| R42 | Routing Number/ Check Digit Error | Does not lock |
| R43 | Invalid DFI Account Number | Does not lock |
| R44 | Invalid Individual ID Number / Identification Number | Does not lock |
| R45 | Invalid Individual Name/ Company Name | Does not lock |
| R46 | Invalid Representative Payee Indicator | Does not lock |
| R47 | Duplicate Enrollment | Does not lock |
| R50 | State Law Affective RCK Acceptance | Does not lock |
| R51 | Item Related to RCK Entry Is Ineligible or RCK Entry is Improper | Does not lock |
| R52 | Stop Payment on Item Related to RCK Entry | Does not lock |
| R53 | Item and RCK Entry Presented for Payment | Does not lock |
| R61 | Misrouted Return | Does not lock |
| R62 | Return of Erroneous / Reversing Debit | Does not lock |
| R67 | Duplicate Return | Does not lock |
| R68 | Untimely Return | Does not lock |
| R69 | Field Error(s) | Does not lock |
| R70 | Permissible Return Entry Not Accepted / Return Not Requested by ODFI | Does not lock |
| R71 | Misrouted Dishonored Return | Does not lock |
| R72 | Untimely Dishonored Return | Does not lock |
| R73 | Timely Original Return | Does not lock |
| R74 | Corrected Return | Does not lock |
| R75 | Return Not a Duplicate | Does not lock |
| R76 | No Errors Found | Does not lock |
| R77 | Non-Acceptance of R62 Dishonored Return | Does not lock |
| R80 | IAT Entry Coding Errors | Does not lock |
| R81 | Non-Participant in IAT Program | Does not lock |
| R82 | Invalid Foreign Receiving DFI Identification | Does not lock |
| R83 | Foreign Receiving DFI Unable to Settle | Does not lock |
| R84 | Entry Not Processed by Gateway | Does not lock |
| R85 | Incorrectly Coded Outbound International Payment | Does not lock |
Updated 5 months ago