Here is a chart that explains all the return codes.
|
Code |
Short Name |
Overlay Abbreviation |
|
A |
NOT SUFFICIENT FUNDS |
NSF |
|
B |
UNCOLLECTED FUNDS HOLD |
UNCOLLECT HOLD |
|
C |
STOP PAYMENT |
STOP PAYMENT |
|
D |
CLOSED ACCOUNT |
CLOSED ACCOUNT |
|
E |
UNABLE TO LOCATE ACCT |
UN LOCATE ACCT |
|
F |
FROZEN/BLOCKED ACCOUNT |
FROZ/BLOCK ACC |
|
G |
STALE DATED |
STALE DATED |
|
H |
POST DATED |
POST DATED |
|
I |
ENDORSEMENT MISSING |
ENDORSE MISS |
|
I |
* IMAGE MISSING (*administrative return) |
IMAGE MISSING |
|
J |
ENDORSEMENT IRREGULAR |
ENDORSE IRR |
|
K |
SIGNATURE(S) MISSING |
SIG MISS |
|
L |
SIGNATURE(S) IRREGULAR |
SIG IRR |
|
M |
NON-CASH ITEM |
NON CASH ITEM |
|
N |
ALTERED/FICTITIOUS |
ALTER/FICT |
|
O |
UNABLE TO PROCESS |
UN PROCESSABLE |
|
P |
EXCEEDS DOLLAR AMOUNT |
EXCEED DOL AMT |
|
Q |
NOT AUTHORIZED |
NOT AUTHORIZED |
|
Q |
*INELIGIBLE (*administrative return) |
INELIGIBLE |
|
R |
BRANCH/ACCOUNT SOLD |
BRCH/ACCT SOLD |
|
S |
REFER TO MAKER |
REFER TO MAKER |
|
T |
DO NOT RE-PRESENT |
NOT RE-PRESENT |
|
U |
UNUSABLE IMAGE |
UNUSABLE IMAGE |
|
V |
IMAGE FAILS SECURITY |
FAIL SEC CK |
|
W |
CANNOT DETERMINE AMT |
CANT DET AMT |
|
X |
REFER TO IMAGE |
REFER TO IMAGE |
|
Y |
DUPLICATE PRESENTMENT |
DUPLICATE |
|
Z |
FORGERY |
FORGERY |
|
1 |
NONCOMPLIANT TIFF |
NONCOM TIFF |
|
2 |
NONCONFORM UCD |
NONCON UCD |
|
3 |
WARRANTY BREACH |
WARRANTY BREAC |
|
4 |
RCC WARRANTY BREACH |
RCC BREACH |
|
5 |
FORGED & COUNT BREACH |
FORGED BREACH |
|
6 |
RETIRED ROUTING NUMBER |
RETIRED RT |