ACH Return Code Information

Return codes that begin with an R mean that they are returned directly from the Bank the account is associated with.

The most common R codes are: 

R01     Insufficient Funds

R02     Account Closed

R03     No Account/Unable to Locate Account

R04     Invalid Account Number

R09     Uncollected Funds

R16     Account Frozen

R20     Non-transactional Account

R Codes that are Infrequent and Considered Chargebacks:  

R05     Unauthorized Debit to Consumers Account

R06     Returned per ODFI’s Request

R07     Authorization Revoked

R08     Payment Stopped

R10     No Authorization/ Customer Says: Not Authorized/Improper/Ineligible

R29     Corporate Not Authorized

R51     RCK Entry: Related Item Ineligible/Entry Improper

Returns codes that begin with an X mean they are stopped at the ACHvendor level and do not go to the bank because the transaction was already returned with the same R code at an earlier date.  So these will have the same Return info, but with an X preceding instead of an R.

Oftentimes, you will see a transaction come through with a final status of CORRECTION instead of FUNDED.  The money has been funded, but there was something incorrect with the account info entered, so you will need to send the next transaction with the correct account info or it will come back as an X code.

The corrected information will be displayed within the details of the PDC reporting.

C01     Incorrect Account Number

C02     Incorrect Routing Number

C03     Incorrect Routing and Account Number

C04     Incorrect Account Name

C05     Incorrect Trans Code