Code/Term | ACH Codes Definition |
---|---|
ODFI | Originating Depository Financial Institution – PayJunction is the ODFI for transactions. |
RDFI | Receiving Depository Financial Institution – The bank 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 | Customer advises that the originator is not known or not authorized. |
R11 | Customer advises authorization not in accord with terms. |
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 the account is restricted due to a 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, the bank account is subject to litigation, or payment represents an overpayment, the 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 60th 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 or 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 or 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 or 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 contain 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 five-day deadline. |
R73 | Timely Original Return – RDFI certifies that the original return entry was submitted by 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). |