---
title: ACH Return Codes Explained
description: 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 
---

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# ACH Return Codes Explained

## See why Check/ACH payments failed and how to fix them. Codes appear in PDCflow Reporting.

### R-Codes (Bank Returns)

R codes are return codes directly from the bank indicating a payment is rejected.

#### The most common R codes:

| Code | Reason |
| --- | --- |
| **R01** | Insufficient Funds |
| **R02** | Account Closed |
| **R03** | No Account/Unable to Locate |
| **R04** | Invalid Account Number |
| **R09** | Uncollected Funds |
| **R16** | Account Frozen |
| **R20** | Non-transactional Account |

#### Chargeback R-Codes (less common, higher fees):

| Code | Reason |
| --- | --- |
| **R05** | Unauthorized Debit to Consumers Account |
| **R06** | Returned per ODFI’s Request |
| **R07** | Authorization Revoked |
| **R08** | Stop Payment |
| **R10** | No Authorization |
| **R29** | Corporate Not Authorized |
| **R51** | RCK Entry: Related Item Ineligible/Entry Improper |

#### X-Codes (Vendor Blocks)

These codes indicate a repeat failure that was blocked before reaching the bank. X-codes match prior R-codes (ex: R01 → X01) but get stopped at the ACH vendor level which prevents duplicate bank returns.

**Example**: First failure = **R01** (Insufficient Funds).  
Next attempt = **X01** (same issue, auto-blocked).<https://support.pdcflow.com/using-flow-reporting?hsLang=en>​

#### C-Codes (Corrections)

**Payment funded, but account info wrong**—fix for next payment.

| Code | Fix This |
| --- | --- |
| **C01** | Incorrect Account Number |
| **C02** | Incorrect Routing Number |
| **C03** | Both Account + Routing Incorrect |
| **C04** | Incorrect Account Name |
| **C05** | Incorrect Transaction Code |

  

### ACH Return Codes in Reporting

Transaction **Reports** include ACH return codes where relevant. For example, you can view codes on the transaction's details page and within the check posting's exception report.

#### Transaction Details

On the details page for the transaction, scroll to the Transaction Status table to view the code details. 

![Payment-Details-Example-Returned-Code](https://support.pdcflow.com/hs-fs/hubfs/Payment-Details-Example-Returned-Code.png?width=670&height=737&name=Payment-Details-Example-Returned-Code.png)

#### Check Posting: Exception Report

To pull a report of all exceptions, navigate to Reporting \> Check Posting \> Exeption and search for the appropriate date range to view a list of payments with return codes.

![Check-Posting-Exception-Report-png-1884×1143--01-29-2026\_10\_00\_AM](https://support.pdcflow.com/hs-fs/hubfs/Check-Posting-Exception-Report-png-1884%C3%971143--01-29-2026_10_00_AM.png?width=670&height=410&name=Check-Posting-Exception-Report-png-1884%C3%971143--01-29-2026_10_00_AM.png)

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