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Solutions > ACH Processing > FAQ > ACH Return Codes
If an ACH transaction is rejected for some reason, a return code is returned. Below is a table of common ACH return codes.

Most processors charge an extra fee for ACH rejects and returns because their actual processing costs are higher in this case.

Code Description Comments
R01 Insufficient funds Available balance is not sufficient to cover the amount of the debit entry
R02 Bank account closed Previously active amount has been closed by the customer of RDFI
R03 No bank account/unable   to locate account Account number does not correspond to the individual identified in the entry, or the account number designated is not an open account
R04 Invalid bank account number Account number structure is not valid
R06 Returned per ODFI request ODFI requested the RDFI to return the entry
R07 Authorization revoked by customer Receiver has revoked authorization
R08 Payment stopped Receiver of a recurring debit has stopped payment of an entry
R09 Uncollected funds Collected funds are not sufficient for payment of the debit entry
R10 Customer advises not authorized Receiver has advised RDFI that originator is not authorized to debit his bank account
Check truncation entry return To be used when returning a check truncation entry
R12 Branch sold to another RDFI RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution
R13 RDFI not qualified to participate Financial institution does not receive commercial ACH entries
R14 Representative payee deceased or unable to continue in that capacity 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 bank account holder (Other than representative payee) deceased* - (1) the beneficiary entitled to payments is deceased or (2) the bank account holder other than a representative payee is deceased
R16 Bank account frozen Funds in bank account are unavailable due to action by RDFI or legal order
R17 File record edit criteria Fields rejected by RDFI processing (identified in return addenda)
R18 Improper effective entry date Entries have been presented prior to the first available processing window for the effective date.
R19 Amount field error Improper formatting of the amount field
R20 Non-payment bank account Entry destined for non-payment bank account defined by reg.
R21 Invalid company ID number The company ID information not valid (normally CIE entries)
R22 Invalid individual ID number Individual id used by receiver is incorrect (CIE entries)
R23 Credit entry refused by receiver Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account
R24 Duplicate entry RDFI has received a duplicate entry
R25 Addenda error Improper formatting of the addenda record information
R26 Mandatory field error Improper information in one of the mandatory fields
R27 Trace number error Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record
R28 Transit routing number check digit error Check digit for the transit routing number is incorrect
R29 Corporate customer advises not authorized RDFI has bee notified by corporate receiver that debit entry of originator is not authorized
R30 RDFI not participant in check truncation program Financial institution not participating in automated check safekeeping application
R31 Permissible return entry (CCD and CTX only) RDFI has been notified by the ODFI that it agrees to accept a CCD or CTX return entry
R32 RDFI non-settlement RDFI is not able to settle the entry
R33 Return of XCK entry RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date if the XCK entry
R34 Limited participation RDFI RDFI participation has been limited by a federal or state supervisor
R35 Return of improper debit entry ACH debit not permitted for use with the CIE standard entry class code (except for reversals)