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ACH Return Codes

RDFI Return Reason Codes

R01

INSUFFICIENT FUNDS Available balance is not sufficient to cover the dollar value of the debit entry.

R02

ACCOUNT CLOSED – Available balance is not sufficient to cover the dollar value of the debit entry.

R03

NO ACCOUNT/UNABLE TO LOCATE ACCOUNT Account number structure is valid and passes editing process, but does not correspond to individual or is not an open account.

R04

INVALID ACCOUNT NUMBER Account number structure not valid; entry may fail check digit validation or may contain an incorrect number of digits.

R06

RETURNED PER ODFIs REQUEST ODFI has requested RDFI to return the ACH entry (optional to RDFI – ODFI indemnifies RDFI).

R07

AUTHORIZATION REVOKED BY CUSTOMER (adjustment entries)Consumer, who previously authorized ACH payment, has revoked authorization from Originator (must be returned no later than 60 days from settlement date and customer must sign affidavit).

R08

PAYMENT STOPPED Receiver of a recurring debit transaction has stopped payment to a specific ACH debit. RDFI should verify the Receiver’s intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization.

R09

UNCOLLECTED FUNDS UCF – UFH – UF, items are returned because funds available in the account are not yet available. This can happen when a deposit into the account holder’s bank has not yet cleared. For example, the account holder deposits a paycheck for $1,000 into his bank on Monday, and the check is set to be clear on Wednesday, making $1,000 pending, but not available. The account holder then writes a check on Monday night to a merchant that deposits the item on Tuesday. The merchant’s bank presents the check on Tuesday and the bank returns the item, Uncollected Funds, because the money is there on paper, but not available. If a check has been stamped Uncollected Funds Hold, Uncollected Funds, or a similar message, the item is eligible for redeposit. Just deposit the item again, and the hold may have been lifted”

R10

CUSTOMER ADVISES NOT AUTHORIZED (adjustment entries) – consumer has advised RDFI that Originator of transaction is not authorized to debit account (must be returned no later than 60 days from settlement date of original entry and customer must sign affidavit).

R11

CHECK SAFEKEEPING ENTRY RETURN used when returning a check safekeeping entry; RDFI should use appropriate field in addenda record to specify reason for return (i.e., “exceeds dollar limit,” “stale date,” etc.).

R12

BRANCH SOLD TO ANOTHER DFI financial institution receives entry destined for an account at a branch that has been sold to another financial institution.

R14

ACCOUNT-HOLDER DECEASED account-holder is deceased (used in the event of death of a Representative Payee. guardian, or trustee).

R15

BENEFICIARY DECEASED beneficiary entitled to payments is deceased.

R16

ACCOUNT FROZEN funds unavailable due to specific action by the RDFI or by legal action.

R17

FILE RECORD EDIT CRITERIA fields not edited by the ACH Operator are edited by the RDFI; field(s) causing processing error must be identified in the addenda record of return.

R20

NON-TRANSACTION ACCOUNT ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).

R21

INVALID COMPANY IDENTIFICATION number used in the Company ID field in error.

R22

INVALID INDIVIDUAL ID NUMBER in CIE entry the Individual ID Number is used by the Receiver to identify the account; Receiver has indicated to RDFI that number Originator identified is not correct.

R23

CREDIT REFUSED BY RECEIVER Receiver refuses credit entry because of one of the following conditions: (1) minimum amount required by Receiver has not been remitted, (2) exact amount required has not been remitted, (3) account subject to litigation and Receiver will not accept transaction, (4) acceptance of transaction results in overpayment, (5) Originator is not known by Receiver, or (6) Receiver has not authorized the credit entry.

R24

DUPLICATE ENTRY RDFI has received what appears to be a duplicate entry (i.e., trace number, date, dollar amount and/or other data matches another transaction).

R29

CORPORATE CUSTOMER ADVISES NOT AUTHORIZED RDFI has been notified by Receiver (non-consumer) that entry was not authorized.

R31

PERMISSIBLE RETURN ENTRY (CCI and CTX only) RDFI has been notified by ODFI that ODFI agrees to accept a return entry beyond normal return deadline.

R33

RETURN OF XCK ENTRY RDFI, at its discretion, returns an XCK entry (code only used for XCK returns) XCK entries may be returned up to 60 days after settlement date.

R50

STATE LAW AFFECTING RCK ACCEPTANCE RDFI is in one of the states that have not accepted the Uniform Commercial Code and hasn’t revised its consumer agreements to allow for electronic presentment, OR the RDFI is in a state that requires all canceled checks to be returned in the consumer statement.

R51

ITEM IS INELIGIBLE, NOTICE NOT PROVIDED, SIGNATURE NOT GENUINE, OR ITEM ALTERED

R52

STOP PAYMENT ON ITEM RDFI determines that a stop payment has been placed on the item to which the RCK entry relates. RDFI has 60 days following settlement to return.

ODFI Return Reason Codes

R61

MISROUTED RETURN RDFI of the original entry has placed the incorrect transit/routing number in the Receiving DFI Identification field.

R62

INCORRECT TRACE NUMBER Trace Number found in positions 07-21 in the addenda record of the Return is different from the trace number of the original entry.

R63

INCORRECT DOLLAR AMOUNT Dollar amount in the Entry Detail Record of the Return is different from the dollar amount of the original entry.

R64

INCORRECT INDIVIDUAL IDENTIFICATION Individual ID number reflected in the Entry Detail Record of the Return is different from the Individual ID number used in the original entry.

R65

INCORRECT TRANSACTIONCODE Transaction Code in the Entry Detail Record of the Return is not the return equivalent of the Transaction Code in the original entry. (All entries must be returned as received: i.e., credit as credit, debit as debit, demand as demand, savings as savings.)

R66

INCORRECT COMPANY IDENTIFICATION Company ID number used in the Company/Batch Header Record of the Return is different from the ID number used in the original entry.

R67

DUPLICATE RETURN ODFI has received more than one return for the same entry.

R68

UNTIMELY RETURN Return was not sent within the time frame established by the rules.

R69

MULTIPLE ERRORS Two or more fields are incorrect (i.e. original entry trace number, amount, individual ID number, company ID and/or Transaction Code).

R80

CROSS BORDER CODING ERROR

R81

NON-PARTICIPANT IN CROSS-BORDER PROGRAM

R82

INVALID FOREIGN RECEIVING DFI INDENTIFICATION

R83

FOREIGN RECEIVING DFI UNABLE TO SETTLE

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