ACH Return Reference Guide

An ACH return is an ACH entry that the Receiving Depository Financial Institution (RDFI) is unable to post for reasons defined by the return codes listed in the table below. Notification of return items will be emailed to all ACH users.

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RETURN CODE	DESCRIPTION	ACTION BY ORIGINATOR
R01	Insufficient Funds	May reintiate the ACH transaction for a total of 3 presentments within 180 days of the settlement date of the original entry. Please see Reinitiating Returned ACH Debit Items for steps to reinitiate the transaction.
R02**	Account Closed	Must stop initiation of transaction. Contact Receiver to obtain authorization for another account.
R03**	No Account	Must stop initiation of entries. Contact Receiver to obtain authorization for another account.
R04**	Invalid Account	Must stop initiation of entries until account number is corrected.
R05*	Unauthorized Debit to a Consumer Account Using Corporate SEC Code	Must stop initiation of entries.
R07*	Authorization Revoked	Must stop initiation of entries until new consumer authorization is obtained.
R08**	Payment Stopped	Must contact the Receiver to identify the reason for the Stop Payment and determine if the entry should be stopped permanently.
R09	Uncollected Funds	May reinitiate the ACH entry for a total of 3 presentments within 180 days of the settlement date of the original entry. Please see Reinitiating Returned ACH Debit Items for steps to reinitiate the transaction.
R10*	Customer Advises Originator is NOT Known to the Receiver and/or Originator is Not Authorized to Debit Receiver’s Account	Must stop initiation of entries.
R11*	Customer Advises Entry Not in Accordance with the Terms of the Authorization	May reinitiate the ACH entry within 60 days of original settlement date of the original entry. Please see Reinitiating Returned ACH Debit Items for steps to reinitiate the transaction.
R16	Account Frozen	Must stop initiation of entries.
R20	Non-Transaction Account	Must stop initiation of entries.
R29*	Corporate Advises Not Authorized	Must stop initiation of entries until new authorization has been obtained

*Unauthorized ACH fee will be assessed, as stated in our current fee schedule.

**A fee may be assessed for failure to respond to notice of changes as stated in our current fee schedule.

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ACH Return Reference Guide

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