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ACH Definitions & Codes

Code/TermDefinition
ODFI Originating Depository Financial Institution. PayJunction is the ODFI for transactions.
RDFI Receiving Depository Financial Institution. This is the bank that we are charging (debiting) or refunding (crediting).
R01 Insufficient Funds – Available balance is not sufficient to cover the dollar amount of the debit entry.
R02 Account Closed – A previously open account is now closed.
R03 No Account / Unable to Locate – The account number does not correspond to the individual identified in the entry or a valid account.
R04 Invalid Account Number – The account number fails the check digit validation or may contain an incorrect number of digits.
R05 Unauthorized Debit to Consumer Account using Corporate SEC Code – A business (corporate) debit entry was transmitted to a member’s consumer account, and the member had not authorized the entry.
R06 Returned per ODFI’s Request – The ODFI has requested that the RDFI return the entry.
R07 Authorization Revoked – Member who previously authorized an entry has revoked authorization with the Originator.
R08 Payment Stopped – Member had previously requested a stop payment of a single or recurring entry.
R09 Uncollected Funds – Available balance is sufficient, but collected balance is not sufficient to cover the entry.
R10 Member advises not authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document.
R11 To be used when returning a check truncation entry.
R12 RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution.
R13 Financial institution does not receive commercial ACH entries.
R14 The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue in that capacity.
R15 Beneficiary or Account Holder Deceased.
R16 Account Frozen – Access to account is restricted due to specific action taken by the RDFI or by legal action.
R17 Fields rejected by RDFI processing (identified in return addenda).
R18 Entries have been presented prior to the first available processing window for the effective date.
R19 Improper formatting of the amount field.
R20 Entry destined for non-payment bank account defined by reg.
R21 The company ID information not valid.
R22 Individual id used by receiver is incorrect.
R23 Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account.
R24 RDFI has received a duplicate entry.
R25 Improper formatting of the addenda record information.
R26 Improper information in one of the mandatory fields.
R27 Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record.
R28 Check digit for the transit routing number is incorrect.
R29 RDFI has bee notified by corporate receiver that debit entry of originator is not authorized.
R30 Financial institution not participating in automated check safekeeping application.
R31 RDFI has been notified by the ODFI that it agrees to accept a CCD or CTX return entry.
R32 RDFI is not able to settle the entry.
R33 RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date if the XCK entry.
R34 RDFI participation has been limited by a federal or state supervisor.
R35 ACH debit not permitted for use with the CIE standard entry class code (except for reversals).
R39 Improper Source Document / Source Document Presented for Payment RDFI determines that the source document (share draft/check) used for an ARC, BOC or POP entry is not eligible for conversion – or the share draft has already been paid as a normal check posting.
R39 Improper Source Document / Source Document Presented for Payment RDFI determines that the source document (share draft/check) used for an ARC, BOC or POP entry is not eligible for conversion – or the share draft has already been paid as a normal check posting.
R51 Notice not Provided/Signature not Authentic/Item Altered/Ineligible for Conversion.
R61 Misrouted Return – Return entry was sent by RDFI to an incorrect ODFI routing/transit number.
R67 Duplicate Return – ODFI has received more than one return entry for the same original entry.
R68 Untimely Return – Return entry did not meet the return deadline.
R69 Field Errors – One or more of the following fields contains incorrect information.
R71 Misrouted Dishonored Return – ODFI misrouted the Dishonored Return entry to the wrong RDFI using an incorrect routing/transit number.
R72 Untimely Dishonored Return – ODFI did not submit the Dishonored Return entry within the 5 day deadline.
R73 Timely Original Return – RDFI certifies that the original return entry was submitted within the applicable deadline.
R74 RDFI is correcting a previous return entry that was dishonored using Return Code R69 because it contained incomplete or incorrect information.
R75 Original Return Not a Duplicate – The original return entry was not a duplicate of an entry previously returned by the ODFI. This code may be used by the RDFI to contest an entry dishonored by the ODFI using Return Code R67 (Duplicate Return).
R76 No Errors Found – The original return entry did not contain the errors indicated by the ODFI in the Dishonored Return Entry bearing Return Code R69 (Field Errors).