We help our customers handle ACH return codes.
Transactions passing through the Automated Clearing House (ACH system) can be returned for a variety of reasons. We’ve compiled a list of the ACH return codes and associated descriptions for your reference.
One of the key benefits to Dwolla’s ACH API solution is that we automate the processing and notification of returns and corrections for your business so you don’t get stuck with the headaches of managing this process.
ACH Return Codes
ACH Return Code R01 – Insufficient funds
Description: The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.
ACH Return Code R02 – Account closed
Description: A previously active account has been closed by action of the customer or the RDFI.
ACH Return Code R03 – No account/Unable to locate account
Description: 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 open account.
ACH Return Code R04 – Invalid account number
Description: The account number structure is not valid. The entry may fail the check digit validation or may contain an incorrect number of digits.
ACH Return Code R05 – Unauthorized debit to consumer account using corporate SEC code
Description: A business debit entry was transmitted to a member’s consumer account, and the receiving member had not authorized the entry
ACH Return Code R06 – Returned per ODFI’s request
Description: The ODFI has requested that the RDFI return the ACH entry as an erroneous entry. If the RDFI agrees to return the entry, the ODFI must indemnify the RDFI in accordance with guidelines.
ACH Return Code R07 – Authorization revoked by customer
Description: The receiver who previously authorized an entry has revoked authorization with the originator for this debit entry.
ACH Return Code R08 – Payment stopped
Description: The Receiver has placed a stop payment order on this debit entry, which may be placed on one or more debit entries.
ACH Return Code R09 – Uncollected funds
Description: A sufficient book or ledger balance exists to satisfy the dollar value of the transaction (i.e., uncollected checks), but the available balance is below the dollar value of the debit entry.
ACH Return Code R10 – Customer advises unauthorized, improper, ineligible, or part of an incomplete transaction
Description: The RDFI has been notified by the receiver (ie. customer that the entry is unauthorized, improper or ineligible.)
ACH Return Code R11 – Check truncation entry return
Description: To be used when returning a check truncation entry. This reason for return should be used only if no other return reason code is applicable.
ACH Return Code R12 – Branch sold to another DFI
Description: A financial institution received an entry to an account that was sold to another FI
ACH Return Code R13 – Invalid ACH routing number
Description: Entry contains a receiving DRI identification or gateway identification that is not a valid ACH routing number
ACH Return Code R14 – Representative payee deceased or unable to continue in that capacity
Description: The representative payee is a person either deceased or no longer able to continue in original capacity (ie. legally incapacitated adults or minors), while the beneficiary is not deceased.
ACH Return Code R15 – Beneficiary or account holder deceased
Description: (1) The beneficiary is deceased. The beneficiary may or may not be the account holder; (2) The account holder (acting in a non-representative payee capacity) is an owner of the account and is deceased.
ACH Return Code R16 – Account frozen/Entry returned per OFAC instruction
Description: 1) Access to account is restricted due to specific action taken by the RDFI or legal action 2) OFAC has instructed the RDFI or gateway to return the entry
ACH Return Code R17 – File record edit criteria
Description: Fields can’t be processed by RDFI
ACH Return Code R18 – Improper effective entry date
Description: 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 the effective date is after window of processing.
ACH Return Code R19 – Amount field error
Description: Amount field is non-numeric, zero, or exceeding $25,000.
ACH Return Code R20 – Non-transaction account
Description: The ACH entry destined for a non-transaction account, for example, an account against which transactions are prohibited or limited.
ACH Return Code R21 – Invalid company identification
Description: The company identification information not valid.
ACH Return Code R22 – Invalid individual ID number
Description: In CIE and MET entries, when the original ID number isn’t used, the receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.
ACH Return Code R23 – Credit entry refused by receiver
Description: Receiver returned entry because, for instance, minimum or exact amount not remitted. Any credit entry that is refused by the receiver may be returned by the RDFI.
ACH Return Code R24 – Duplicate entry
Description: 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.
ACH Return Code R25 – Addenda error
Description: Addenda record indicator value is incorrect, with code invalid, out of sequence, or missing.
ACH Return Code R26 – Mandatory field error
Description: Erroneous data or missing data in a mandatory field.
ACH Return Code R27 – Trace number error
Description: Original entry trace number is not present or does not correspond correctly in the addenda record on a return or notification of change entry.
ACH Return Code R28 – Routing number check digit error
Description: The check digit for the routing number is invalid.
ACH Return Code R29 – Corporate customer advises not authorized
Description: The RDFI has been notified by receiver (non-consumer) that a specific transaction is unauthorized.
ACH Return Code R30 – RDFI not participant in check truncation program
Description: The RDFI does not participate in a check truncation program.
ACH Return Code R31 – Permissible return entry (CCD and CTX only)
Description: The REFI may return a CCD or CTX entry that the ODFI agrees to accept.
ACH Return Code R32 – RDFI non-settlement
Description: The RDFI is not able to settle the entry
ACH Return Code R33 – Return of XCK entry
Description: The RDFI determines at its sole discretion to return an XCK entry.
ACH Return Code R34 – Limited participation DFI
Description: The RDFI participation has been limited by a federal or state supervisor.
ACH Return Code R35 – Return of improper debit entry
Description: Debit entries are not permitted for CIE entries or to loan accounts.
ACH Return Code R36 – Return of improper credit entry
Description: ACH credit entries are not permitted for use with ARC, BOC, POP, RCK, TEL, XCK
ACH Return Code R37 – Source document presented for payment
Description: The source document to which an ARC, BOX, or POP entry relates has been presented for payment.
The following return codes are less common in our network, but we’ve included them for reference.
ACH Return Code R38 – Stop payment on source document
ACH Return Code R39 – Improper source document/source document presented for payment
ACH Return Code R40 – Return of ENR entry by federal government agency
ACH Return Code R41 – Invalid transaction code
ACH Return Code R42 – Routing number/check digit error
ACH Return Code R43 – Invalid DFI account number
ACH Return Code R44 – Invalid individual ID number/identification number
ACH Return Code R45 – Invalid individual name/company name
ACH Return Code R46 – Invalid representative payee indicator
ACH Return Code R47 – Duplicate enrollment
ACH Return Code R50 – State law affecting RCK acceptance
ACH Return Code R51 – Item related to RCK entry is ineligible or RCK entry is improper
ACH Return Code R52 – Stop payment on item related to RCK entry
ACH Return Code R53 – Item and RCK entry presented for payment
ACH Return Code R61 – Misrouted return
ACH Return Code R62 – Return of erroneous or reversing debt
ACH Return Code R67 – Duplicate return
ACH Return Code R68 – Untimely return
ACH Return Code R69 – Field error(s)
ACH Return Code R70 – Permissible return entry not accepted/return not requested by ODFI
ACH Return Code R71 – Misrouted dishonored return
ACH Return Code R72 – Untimely dishonored return
ACH Return Code R73 – Timely original return
ACH Return Code R74 – Corrected return
ACH Return Code R75 – Return not duplicate
ACH Return Code R76 – No errors found
ACH Return Code R77 – Non-acceptance of R62 dishonored return
ACH Return Code R80 – IAT entry coding errors
ACH Return Code R81 – Non-participant in IAT program
Below are international ACH return codes for reference. Please note, these would not be applicable to a Dwolla transaction.
ACH Return Code R82 – Invalid foreign receiving DFI identification
ACH Return Code R83 – Foreign receiving DFI unable to settle
ACH Return Code R84 – Entry not processed by gateway
ACH Return Code R85 – Incorrectly coded outbound international payment