In the rare event that an item is returned, you will know about it as soon as it happens. The transaction will be marked as returned and will display it with a returned status on your History tab. To view only returned transactions click the ACH Returns Tab on the History page.

To get your money for the transaction, we suggest that you:

1. Contact your client to make sure they know that the item returned.

2. You may send a payment request to your client so that they can make their payment.

What Does My ACH Return Code Mean?

Code

Description

R01

Insufficient Funds

R02

Closed Account

R03

No Account/Unable to Locate Account

R04

Invalid Account Number

R05

Unauthorized Debit to Consumer Account Using Corporate SEC Code

R06

Returned per ODFI Request

R07

Authorization Revoked by Customer

R08

Payment Stopped

R09

Uncollected Funds

R10

Customer Advises Not Authorized, etc

R11

Check Truncation Entry Return, etc

R12

Branch Sold to Another DFI

R13

RDFI Not Qualified to Participate

R14

Representative Payee Deceased or Unable to Continue in that Capacity

R15

Beneficiary or Account Holder Deceased

R16

Account Frozen

R17

File Record Edit Criteria

R18

Improper Effective Entry Date

R19

Amount Field Error

R20

Non-Transaction Account

R21

Invalid Company Identification

R22

Invalid Individual ID Number

R23

Credit Entry Refused by Receiver

R24

Duplicate Entry

R25

Addenda Error

R26

Mandatory Field Error

R27

Trace Number Error

R28

Routing Number Check Digit Error

R29

Corporate Customer Advises Not Authorized

R30

RDFI Not Participant in Check Truncation Program

R31

Permissible Return Entry

R32

RDFI Non-Settlement

R33

Return of XCK Entry