---
agentTools:
  projectIndex: https://docs.bond.tech/v0/llms.txt
---

# ACH return codes

List of possible ACH return codes.

| **ACH return code** | **Description**                                                           |
| ------------------- | ------------------------------------------------------------------------- |
| **R01**             | Insufficient Funds                                                        |
| **R02**             | Account Closed                                                            |
| **R03**             | No Account/Unable to Locate Account                                       |
| **R04**             | Invalid Account #                                                         |
| **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                                   |