ACH return codes

List of possible ACH return codes.

ACH return codeDescription
R01 Insufficient Funds
R02 Account Closed
R03 No Account/Unable to Locate Account
R04 Invalid Account number
R05 Unauthorized Corporate Debit to Consumer Account
R06 Returned per ODFI Request
R07 Authorization Revoked By Customer
R08 Payment Stopped
R09 Uncollected Funds
R10 Customer Advises Not Authorized
R11 Check Truncation Entry Return (Specify)
R12 Account Sold to Another DFI
R13 Invalid ACH Routing Number
R14 Rep. Payee Deceased/Incapacitated
R15 Beneficiary or Account Holder Deceased
R16 Account Frozen/Entry returned per OFAC instruction
R17 File Record Edit Criteria (Specify) (Not Currently Supported by CU*BASE)
R18 Improper Effective Entry Date
R19 Amount Field Error
R20 Non-Transaction Account
R21 Invalid Company Identification
R22 Invalid Individual ID Number
R23 Credit Entry Refused by Receiver
R24 Duplicate Entry
R25 Addenda Error
R26 Mandatory Field Error
R27 Trace number error
R28 Routing number or check digit error
R29 Corporate Customer Advises Not Authorized
R30 RDFI not participant in check truncation program
R31 Permissible Return Entry (CCD, CTX)
R32 RDFI non-settlement
R33 Return of XCK Entry
R35 Return of improper debit entry
R36 Return of improper credit entry
R37 Source Document Presented for Payment (ARC, POP, BOC)
R38 Stop Payment on Source Document (ARC, BOC)
R39 Improper Source Document (ARC, POP, BOC)
R40 Return of ENR Entry by Federal Government Agency
R41 Invalid Transaction Code
R42 Routing Number/Check Digit error
R43 Invalid DFI Account number
R44 Invalid individual ID Number/Identification number
R45 Invalid Individual Name/Company Name
R46 Invalid Representative Payee Indicator
R47 Duplicate Enrollment
R50 State Law Affecting RCK Acceptance
R51 Item related to RCK entry is ineligible or RCK entry is improper
R52 Stop Payment on Item (RCK)
R53 Item and RCK entry presented for payment
R61 Misrouted Return
R62 Return of erroneous or reversing debit
R67 Duplicate return
R68 Untimely return
R69 Field Error(s)
R70 Permissible return entry not accepted/return not requested by ODFI
R71 Misrouted dishonored return
R72 Untimely dishonored return
R73 Timely Original Return
R74 Corrected Return
R75 Return not a duplicate
R76 No errors found
R77 Non-acceptance of R62 Dishonored Return