| E03 |
Transaction data integrity validation error |
Transaction data has not been validated by the processor. |
| E05 |
Bank account is blacklisted |
ACH account is blacklisted. |
| R01 |
Insufficient Funds |
Available balance is not sufficient to cover the dollar amount of the debit entry. |
| R02 |
Account Closed |
Previously active account has been closed by customer or customer's bank. |
| R03 |
No Account/Unable to Locate Account |
Account structure is valid and passes editing process, but does not correspond to individual or is not an open account (this can also be because the account type is wrong). |
| R04 |
Invalid Account Number |
The account number is not valid. The transaction may have failed the digit validation or may contain an incorrect number of digits. |
| R05 |
Unauthorized debit to consumer account using corporate SEC Code |
A CCD debit entry was transmitted to a consumer account and was not authorized by the consumer. |
| R06 |
ODFI Requests Return |
ODFI has requested RDFI to return the ACH entry (optional to RDFI). |
| R07 |
Revoked Authorization |
Consumer, who previously authorized ACH payment, has revoked authorization from originator. Must be returned no later than 60 days from settlement date and customer must sign affidavit. |
| R08 |
Stop Payment or Stop on Source Document |
Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. RDFI should verify the receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization. |
| R09 |
Uncollected Funds |
Sufficient book or ledger balance exist to satisfy dollar value of the transaction in process of collection brings available or cash reserve balance below dollar value of the debit entry. |
| R10 |
Advised as Unauthorized |
Customer has authorized RDFI that originator of transaction is not authorized to debit account. Must be returned no later than 60 days from settlement date of original entry and customer must sign affidavit. |
| R11 |
Customer Advises Entry Not in Accordance with the Terms of the Authorization. |
Customer Advises Entry Not in Accordance with the Terms of the Authorization |
| R12 |
Account at Other Branch |
Financial institution receives entry destined for an account at a branch that has been sold to another financial institution. |
| R13 |
RDFI not qualified to participate |
Financial institution is not qualified to participate in ACH or the routing number is incorrect. |
| R14 |
Death of Representative Payee |
Account holder is deceased (used in the event of a representative payee, guardian, or trustee). |
| R15 |
Death of Beneficiary or Account Holder |
(1) The beneficiary is the person entitled to the benefits and is deceased. The beneficiary may or may not be the account holder; (2) the account holder (acting in a non-representative payee capacity) is an owner of the account and is deceased. |
| R16 |
Account Frozen |
Funds unavailable due to specific action by the RDFI or by legal action. |
| R17 |
File Record Edit Criteria
|
Fields not edited by the ACH operator are edited by the RDFI. Fields causing processing error must be identified in the addenda record of return. |
| R18 |
Improper Effective Entry Date |
The date entered in the ACH transaction record is invalid and the transaction cannot be processed. The effective entry date for a debit entry is more than one banking day after the processing date. |
| R19 |
Amount Field Error |
The payment was entered for an amount of $0, or a paper-check conversion (ARC or BOC) was entered for over $25,000. |
| R20 |
Non-Transaction Account |
ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited). |
| R21 |
Invalid Company ID |
The identification number used in the company identification field is not valid. |
| R22 |
Invalid Individual ID Number |
In CIE and MTE entries, the individual ID number is used by the receiver to identify the account. The receiver has indicated to the RDFI that the number with which the originator was identified is not correct. |
| R23 |
Credit Entry Refused by Receiver |
Receiver refuses credit entry because of one of the following conditions:
*minimum amount required by receiver has not been remitted;
*exact amount required has not been remitted;
*the account is subject to litigation and the receiver will not accept the transaction;
*acceptance of the transaction results in an overpayment;
*the originator is not known by the receiver;
*the receiver has not authorized this credit entry to this account. |
| R24 |
Duplicate Entry |
RDFI has received what appears to be a duplicate entry (i.e., trace number, date, dollar amount and/or other data matches another transaction). |
| R25 |
Addenda Error |
Improper formatting of the addenda record information. |
| R26 |
Mandatory Field Error |
For a TEL or WEB ACH transaction, the name of the account holder was not provided. For a CCD transaction, the name of the company was not provided. |
| R27 |
Trace Number Error |
Original entry trace number is not valid for return entry or addenda trace numbers do not correspond with entry detail record. |
| R28 |
Routing Number Check Digit Error |
The bank routing number is invalid. |
| R29 |
Corporate Entry Unauthorized |
RDFI has been notified by receiver (nonconsumer) that entry was not authorized. |
| R30 |
RDFI Not Participant in Program |
The customer’s bank does not participate in the ACH network. |
| R31 |
ODFI Permits Late Return |
RDFI has been notified by ODFI that ODFI agrees to accept a return entry beyond normal return deadline. |
| R32 |
RDFI Non-Settlement |
The RDFI is not able to settle the entry (customer’s bank rejected the transaction). |
| R33 |
Return of XCK Entry |
RDFI, at its discretion, returns an XCK entry. This return reason code may only be used to return XCK entries. An XCK entry may be returned up to 60 days after its settlement date. |
| R34 |
Limited Participation DFI |
The RDFI's participation has been limited by a federal or state supervisor. |
| R35 |
Return of Improper Debit Entry |
ACH charge entries are not permitted on loan accounts. |
| R36 |
Return of Improper Credit Entry |
ACH refund entries (with the exception of reversals) are not permitted for use with the WEB code. |
| R37 |
Source Document Presented for Payment |
The source document to which an ARC, BOC, or POP entry relates has been presented for payment. |
| R38 |
Stop Payment on Source Document |
Stop payment has been placed on a check used for an ARC entry. |
| R39 |
Improper Source Document |
The RDFI determines that the source document used for an ARC, BOC or POP entry to its receiver’s account is improper pursuant to source documents subsections. |
| R40 |
Return of ENR Entry by Federal Government Agency |
Federal government agency received an ENR believed to be fraudulent and then returned the ENR to the DFI. |
| R41 |
Invalid Transaction Code (ENR) |
Transaction code value is invalid. |
| R42 |
Routing Number/Check Digit Error (ENR) |
Routing number value is invalid. |
| R43 |
Invalid DFI Account Number (ENR) |
Bank account number value is invalid. |
| R44 |
Invalid Individual ID Number (ENR) |
Merchant ID value is invalid. |
| R45 |
Invalid Individual Name (ENR) |
Individual name value is invalid. |
| R46 |
Invalid Representative Payee Indicator (ENR) |
Representative payee indicator value is invalid. |
| R47 |
Duplicate Enrollment (ENR) |
The same enrollment flow was initiated more than once. |
| R50 |
State Law Affecting RCK Acceptance |
RDFI is in one of the states that have not accepted the гniform сommercial сode and hasn't revised its consumer agreements to allow for electronic presentment, or the RDFI is in a state that requires all canceled checks to be returned in the consumer statement. |
| R51 |
Item is Ineligible; Notice not Provided; Signature Not Genuine; Item Altered; Amount of Entry not Accurately Obtained |
An RCK entry may be considered to be ineligible; the originator did not provide notice; all signatures on the item to which the RCK entry relates are not authentic or authorized, or the item to which the RCK entry relates has been altered; the amount of the RCK entry was not accurately obtained from the item. |
| R52 |
Stop Payment on Item |
RDFI determines that a stop payment has been placed on the item to which the RCK entry relates. RDFI has 60 days following settlement to return. |
| R53 |
Item and ACH Entry Presented for Payment |
In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment. The Receiver may request immediate credit from the RDFI for an RCK entry for the reason described above. The request must be made in writing within 15 days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury, that both the RCK entry and the item to which it relates were presented for payment. |
| R61 |
Misrouted Return |
Return entry was sent by RDFI to an incorrect ODFI routing number. |
| R62 |
Incorrect Trace Number |
Trace number found in positions 07-21 in the addenda record of the return is different from the trace number of the original entry. |
| R63 |
Incorrect Dollar Amount |
Dollar amount in the entry detail record of the return is different from the dollar amount of the original entry. |
| R64 |
Incorrect Individual ID |
Individual ID number reflected in the entry detail record of the return is different from the individual ID number used in the original entry. |
| R65 |
Incorrect Transaction Code |
Transaction code in the entry detail record of the return is not the return equivalent of the transaction code in the original entry. All entries must be returned as received: i.e., credit as credit, debit as debit, demand as demand, savings as savings. |
| R66 |
Incorrect Company ID |
Company ID number used in the company/batch header record of the return is different from the ID number used in the original entry. |
| R67 |
Duplicate Return |
ODFI has received more than one return entry for the same original entry. |
| R68 |
Untimely Return |
Return entry did not meet the return deadline. |
| R69 |
Multiple Errors |
Two or more fields are incorrect (i.e. original entry trace number, amount, individual ID number, company ID and/or transaction code). |
| R70 |
Permissible Return Not Accepted |
The ODFI has received a return entry identified by the RDFI as being returned with the permission of, or at the request of, the ODFI, but the ODFI has not agreed to accept the entry or has not requested the return of the entry. |
| R71 |
Misrouted Dishonored Return |
ODFI misrouted the dishonored return entry to the wrong RDFI using an incorrect routing number. |
| R72 |
Untimely Dishonored Return |
ODFI did not submit the dishonored return entry within the 5 day deadline. |
| R73 |
Timely Original Return |
RDFI certifies that the original return entry was submitted within the applicable deadline. |
| R74 |
Corrected Return |
RDFI is correcting a previous return entry that was dishonored using return code R69 because it contained incomplete or incorrect information. |
| R75 |
Original Return Not a Duplicate |
The original return entry was not a duplicate of an entry previously returned by the ODFI. This code may be used by the RDFI to contest an entry dishonored by the ODFI using return code R67 (Duplicate Return). |
| R76 |
No Errors Found |
The original return entry did not contain the errors indicated by the ODFI in the dishonored return entry bearing return code R69 (Field Errors). |
| R80 |
Cross Border Coding Error |
The IAT entry is being returned due to one or more of the following conditions:
*invalid DFI/bank branch country code;
*invalid DFI/bank identification number qualifier;
*invalid foreign exchange indicator;
*invalid ISO originating currency code;
*invalid ISO destination currency code;
*invalid ISO destination country code;
*invalid transaction type value. |
| R81 |
Non-Participant in Cross Border Program |
The IAT entry is being returned because the gateway does not have an agreement with either the ODFI or the gateway’s customer to transmit IAT entries. |
| R82 |
Invalid Foreign Receiving DFI Identification |
The reference used to identify the foreign receiving DFI of an outbound IAT entry is invalid. |
| R83 |
Foreign Receiving DFI Unable to Settle |
The IAT entry is being returned due to settlement problems in the foreign payment system. |
| R84 |
Entry Not Processed by Gateway |
For outbound IAT entries, the entry has not been processed and is being returned at the gateway’s discretion because either:
*the processing of such entry may expose the gateway to excessive risk or
*the foreign payment system does not support the functions needed to process the transaction. |
| R95 |
Merchant profile configuration issue |
Specified merchant profile was configured incorrectly. |
| R96 |
Incorrect merchant setup |
Specified merchant is not set up correctly for the submitted transaction. |
| R97 |
Unmapped Returns |
Specified processor's response code is not recognized by the system. The respective request of a received code clarification needs to be addressed to the processor. |
| R98 |
Non Participating Bank |
ACH has been returned by non-participating bank. |
| R99 |
Transaction rejected by processor |
Submitted transaction has been rejected by the processor. |
| X01 |
Processing Cancelled by User |
Transaction processing has been cancelled by a customer. |
| X05 |
Account Verification Failed |
|
