Code

Description

Comments

R01

ACCOUNT CLOSED

The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry.

R02

ACCOUNT CLOSED

A previously active account has been closed by action of the customer or the RDFI.

R03

NO ACCOUNT/ UNABLE TO LOCATE ACCOUNT

The account number structure is valid, and it passes the check digit validation, but the account number does not correspond to the individual identified in the Entry, or the account number designated is not an existing account.

R04

INVALID ACCOUNT NUMBER STRUCTURE

The account number structure is not valid.

R05

UNAUTHORIZED DEBIT TO CONSUMER ACCOUNT USING CORPORATE SEC CODE

CCD or CTX debit Entry was Transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.

R06

RETURNED PER ODFI’S REQUEST

The ODFI has requested that the RDFI return an Erroneous Entry, or a credit Entry originated without the authorization of the Originator.

R07

AUTHORIZATION REVOKED BY CUSTOMER

The RDFI’s customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry.

R08

PAYMENT STOPPED

The Receiver has placed a stop payment order on this debit Entry.

R09

UNCOLLECTED FUNDS

A sufficient ledger balance exists to satisfy the dollar value of the transaction, but the available balance is below the dollar value of the debit Entry..

R10

CUSTOMER ADVISES ORIGINATOR IS NOT KNOWN TO RECEIVER AND/OR ORIGINATOR IS NOT AUTHORIZED BY RECEIVER TO DEBIT RECEIVER’S ACCOUNT

The RDFI has been notified by the Receiver that the Receiver does not know the identity of the Originator; has no relationship with the Originator; or has not authorized the Originator to debit his account. For ARC and BOC entries, the RDFI has been notified by the Receiver that the signature on the source document is not authentic, valid, or authorized. For POP Entries, the RDFI has been notified by the Receiver that the signature on the written authorization is not authentic, valid, or authorized.

R11

CUSTOMER ADVISES ENTRY NOT IN ACCORDANCE WITH THE TERMS OF THE AUTHORIZATION

The RDFI has been notified by the Receiver that the Originator and Receiver have a relationship and an authorization to debit exists, but there is an error or defect in the payment such that the entry does not conform to the terms of the authorization (for example, the entry is for an amount different than authorized; the entry was initiated for settlement earlier than authorized; the entry is part of an Incomplete Transaction; the debit entry was improperly reinitiated; for ARC, BOC, or POP entries: ineligible source document, notice was not provided; amount of the entry was not accurately obtained from the source document. The Reversing Entry was improperly initiated by the Originator or ODFI. The Receiver did not affirmatively initiate a Subsequent Entry in accordance with the terms of the Standing Authorization.

R12

ACCOUNT SOLD TO ANOTHER DFI

A financial institution received an Entry to an account that was sold to another financial institution.

R13

INVALID ACH ROUTING NUMBER

Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number.

R14

REPRESENTATIVE PAYEE DECEASED OR UNABLE TO CONTINUE IN THAT CAPACITY

The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.

R15

BENEFICIARY OR ACCOUNT HOLDER (OTHER THAN A REPRESENTATIVE PAYEE) DECEASED

(1) The beneficiary is deceased; or (2) the account holder is deceased.

R16

ACCOUNT FROZEN/ENTRY RETURNED PER OFAC INSTRUCTION

(1) Access to the account is restricted due to specific action taken by the RDFI or by legal action; or (2) OFAC has instructed the RDFI or Gateway to return the Entry.

R17

FILE RECORD EDIT CRITERIA/ENTRY WITH INVALID ACCOUNT NUMBER INITIATED UNDER QUESTIONABLE CIRCUMSTANCES/RETURN OF IMPROPERLY-INITIATED REVERSAL)

(1) Field(s) cannot be processed by RDFI; (2) the Entry contains an invalid DFI Account Number (account closed/no account/unable to locate account/invalid account number) and is believed by the RDFI to have been initiated under questionable circumstances; or (3) either the RDFI or Receiver has identified a Reversing Entry as one that was improperly initiated by the Originator or ODFI.

R18

IMPROPER EFFECTIVE ENTRY DATE

(1) The Effective Entry Date for a credit Entry is more than two Banking Days after the Banking Day of processing as established by the Originating ACH Operator; or (2) the Effective Entry Date for a debit Entry is more than one Banking Day after the processing date.

R19

AMOUNT FIELD ERROR

(1) Amount field is non-numeric. (2) Amount field is not zero in a Prenotification, DNE, ENR, Notification of Change, refused Notification of Change, or zero dollar CCD, CTX, or IAT Entry. (3) Amount field is zero in an Entry other than a Prenotification, DNE, ENR, Notification of Change, Return, dishonored Return, contested dishonored Return, or zero dollar CCD, CTX, or IAT Entry. (4) Amount field is greater than $25,000 for ARC, BOC, and POP Entries.

R20

NON-TRANSACTION ACCOUNT

ACH Entry to a non- Transaction Account.

R21

INVALID COMPANY IDENTIFICATION

The Identification Number used in the Company Identification Field is not valid.

R22

INVALID INDIVIDUAL ID NUMBER

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

Any credit Entry that is refused by the Receiver may be returned by the RDFI.

R24

DUPLICATE ENTRY

The RDFI has received what appears to be a duplicate Entry; i.e., the trace number, date, dollar amount and/or other data matches another transaction.

R25

ADDENDA ERROR

Addenda Record Indicator value is incorrect.

Addenda Type Code is invalid, out of sequence, or missing,

Number of Addenda Records exceeds allowable maximum,

Addenda Sequence Number is invalid.

R26

MANDATORY FIELD ERROR

Erroneous data or missing data in a mandatory field.

R27

TRACE NUMBER ERROR

(1) Original Entry Trace Number is not present in the Addenda Record on a Return or Notification of Change Entry; or (2) Trace Number of an Addenda Record is not the same as the Trace Number of the preceding Entry Detail Record.

R28

ROUTING NUMBER CHECK DIGIT ERROR

The check digit for a routing number is not valid.

R29

CORPORATE CUSTOMER ADVISES NOT AUTHORIZED

The RDFI has been notified by the Receiver (Non- Consumer) that a specific Entry has not been authorized by the Receiver.

R30

RDFI NOT PARTICIPANT IN CHECK TRUNCATION PROGRAM

R31

PERMISSIBLE RETURN ENTRY (CCD AND CTX ONLY)

The RDFI may return a CCD or CTX Entry that the ODFI agrees to accept.

R32

RDFI NON-SETTLEMENT

The RDFI is not able to settle the Entry.

R33

This Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion.

R34

LIMITED PARTICIPATION DFI

The RDFI’s participation has been limited by a federal or state supervisor.

R35

RETURN OF IMPROPER DEBIT ENTRY

Debit Entries (with the exception of Reversing Entries) are not permitted for CIE Entries or to loan accounts.

R36

RETURN OF IMPROPER CREDIT ENTRY

ACH credit Entries (with the exception of Reversing Entries) are not permitted for use with ARC, BOC, POP, RCK, TEL, and XCK.

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

The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates.

R39

IMPROPER SOURCE DOCUMENT/SOURCE DOCUMENT PRESENTED FOR PAYMENT

The RDFI determines that: (1) the source document used for an ARC, BOC, or POP Entry to its Receiver’s account is improper, or (2) an ARC, BOC, or POP Entry and the source document to which the Entry relates have both been presented for payment and posted to the Receiver’s account.

R40

RETURN OF ENR ENTRY BY FEDERAL GOVERNMENT AGENCY

This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion.

R41

INVALID TRANSACTION CODE

Either the Transaction Code included in Field 3 of the Addenda Record does not conform to the ACH Record Format Specifications contained in Appendix Three (ACH Record Format Specifications) or it is not appropriate with regard to an Automated Enrollment Entry.

R42

ROUTING NUMBER/CHECK DIGIT ERROR

The Routing Number and the Check Digit included in Field 3 of the Addenda Record is either not a valid number or it does not conform to the Modulus 10 formula.

R43

INVALID DFI ACCOUNT NUMBER

The Receiver’s account number included in Field 3 of the Addenda Record must include at least one alphameric character.

R44

INVALID INDIVIDUAL ID NUMBER/IDENTIFICATION NUMBER

The Individual ID Number/Identification Number provided in Field 3 of the Addenda Record does not match a corresponding ID number in the Federal Government Agency’s records.

R45

INVALID INDIVIDUAL NAME/COMPANY NAME

The name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency’s records or fails to include at least one alphameric character.

R46

INVALID REPRESENTATIVE PAYEE INDICATOR

The Representative Payee Indicator Code included in Field 3 of the Addenda Record has been omitted or it is not consistent with the Federal Government Agency’s records.

R47

DUPLICATE ENROLLMENT

The Entry is a duplicate of an Automated Enrollment Entry previously initiated by a DFI.

R50

STATE LAW AFFECTING RCK ACCEPTANCE

(1) The RDFI is located in a state that has not adopted Revised Article 4 of the Uniform Commercial Code (1990 Official Text) and has not revised its customer agreements to allow for Electronic presentment; or (2) the RDFI is located within a state that requires all canceled Checks to a specific type of account to be returned to the Receiver within the periodic statement.

R51

ITEM RELATED TO RCK ENTRY IS INELIGIBLE OR RCK ENTRY IS IMPROPER

An RCK Entry is considered to be ineligible or improper.

R52

A stop payment order has been placed on the item to which the RCK Entry relates.

R53

In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment.

R61

MISROUTED RETURN

The financial institution preparing the Return Entry (the RDFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field.

R62

The Originator’s/ODFI’s use of the reversal process has resulted in, or failed to correct, an unintended credit to the Receiver.

R67

DUPLICATE RETURN

The ODFI has received more than one Return for the same Entry.

R68

The Return Entry has not been sent within the time frame established by these Rules.

R69

One or more of the field requirements are incorrect.

R70

PERMISSIBLE RETURN ENTRY NOT ACCEPTED/RETURN NOT REQUESTED BY ODFI

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

The financial institution preparing the dishonored Return Entry (the ODFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field.

R72

UNTIMELY DISHONORED RETURN

The dishonored Return Entry has not been sent within the designated time frame.

R73

TIMELY ORIGINAL RETURN

The RDFI is certifying that the original Return Entry was sent within the time frame designated in these Rules.

R74

CORRECTED RETURN

The RDFI is correcting a previous Return Entry that was dishonored using Return Reason Code R69 (Field Error(s)) because it contained incomplete or incorrect information.

R75

RETURN NOT A DUPLICATE

The Return Entry was not a duplicate of an Entry previously returned by the RDFI.

R76

NO ERRORS FOUND

The original Return Entry did not contain the errors indicated by the ODFI in the dishonored Return Entry.

R77

NON-ACCEPTANCE OF R62 DISHONORED RETURN

R80

IAT ENTRY 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 Code.

R81

NON-PARTICIPANT IN IAT PROGRAM

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 (1) the processing of such Entry may expose the Gateway to excessive risk, or

(2) the foreign payment system does not support the functions needed to process the transaction.

R85

INCORRECTLY CODED OUTBOUND INTERNATIONAL PAYMENT

The RDFI/Gateway has identified the Entry as an Outbound international payment and is returning the Entry because it bears an SEC Code that lacks information required by the Gateway for OFAC compliance.