![]() ![]() In this case, the error would be reported by someone who has received a payment for an incorrect amount of money or received a payment on the wrong date.Īccount Sold to Another DFI - A financial institution receives an entry destined for an account that has been sold to another financial institution.Īccount-holder Deceased - Account-holder is deceased (used in the event of death of a Representative Payee. Originator Not Known and/or Not Authorized to Debit Receiver's Account - The consumer has advised RDFI that the Originator of a transaction is not authorized to debit the account (must be returned no later than 60 days from the settlement date of original entry and the customer must sign an affidavit).Ĭustomer advises not within Authorization Terms - used when there's an error with a received payment. Uncollected Funds - A sufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of the transaction is in the process of collection (i.e., uncollected checks) or cash reserve balance below the dollar value of the debit entry. RDFI should verify the Receiver's intent when a request to stop payment is made to insure this is not intended to be a revocation of the authorization. Payment Stopped - The receiver of a recurring debit transaction has stopped payment to a specific ACH debit. ![]() Returned per ODFI's Request - ODFI has requested RDFI to return the ACH entry (optional to RDFI - ODFI indemnifies RDFI).Īuthorization Revoked by Customer - Consumer, who previously authorized ACH payment, has revoked authorization from the Originator (must be returned no later than 60 days from the settlement date and the customer must sign an affidavit). Improper Debit to Consumer Account - A CCD, CTX, or CBR debit entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver. Invalid Account Number - The account number structure is not valid the entry may fail check digit validation or may contain an incorrect number of digits. No Account/Unable to Locate Account - The account number structure is valid and passes the editing process, but does not correspond to an individual or is not an open account. ![]() Insufficient Funds - Available balance is not sufficient to cover the dollar value of the debit entry.Īccount Closed - Previously active account has been closed by the customer or RDFI. ACH return codes are standardized and maintained by NACHA, the governing body for the ACH network.įor further details including an updated listing of ACH Return Codes, go to. Payments returned in this way are typically referred to as ACH Returns. In response, the ACH network returns payment to the originating party if it fails to complete the request. For example, 'R04' indicates that an invalid account number was provided. They make it easier for originating and receiving financial institutions to spot and communicate payment failures.Įach code begins with 'R' followed by a two-digit number. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. ![]()
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