An ACH return occurs when a transaction is sent through the banking network for processing; however, the payment is returned by the receiving bank for one of many reasons - the reasons are supplied with a return code (r-code).

Please note that if a return occurs before funds are deposited, you will not see an offsetting transaction to your Account. However, if a late return occurs, any funds distributed would be reversed for the transaction.

R01	Insufficient funds	The available balance is not sufficient to cover the amount of the debit entry
R02	Bank account closed	The previously active amount has been closed by the customer of RDFI
R03	No bank account / Unable to locate Account	The 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	The account number structure is not valid
R06	Returned per ODFI request	ODFI requested the RDFI to return the entry
R07	Authorization revoked by customer	The receiver has revoked the authorization
R08	Payment stopped	The 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	The receiver has advised RDFI that the originator is not authorized to debit his bank account
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 the bank account are unavailable due to action by RDFI or legal order
R18	Improper effective entry date	Entries have been presented before 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 is not valid
R22	Invalid individual ID number	The individual ID used by the receiver is incorrect
R23	Credit entry refused by receiver	The receiver returned the entry because the minimum or exact amount was not remitted, the bank account is subject to litigation, or payment represents an overpayment, the originator is not known to the receiver, or the 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	The original entry trace number is not valid for return entry, or addenda trace numbers do not correspond with the 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	The corporate receiver has notified RDFI that the debit entry of the originator is not authorized
R32	RDFI non-settlement	RDFI is not able to settle the entry
R34	Limited participation RDFI	RDFI participation has been limited by a federal or state supervisor
R35	Return of improper debit entry	ACH debit is not permitted for use with the CIE standard entry class code (except for reversals)

Notice of Change (C-codes):

The ACH network provides Notifications of Change (NOCs)—notifications that something about a bank account has changed. For example, if you submit a payment for which the routing number for the bank account has changed (CO2). Our systems will attempt to correct it based on the NOC information to settle the transaction on the backend; however, you should update your customer records to prevent future NOC (C-codes) or any actual returns (R-codes).

C01	Incorrect bank account number	The bank account number is incorrect or formatted incorrectly
C02	Incorrect transit/routing number	A once-valid transit/routing number must be changed
C03	Incorrect transit/routing number and bank account number	A once-valid transit/routing number must be changed
C04	Bank account name change	The customer has changed the name, or ODFI submitted the name incorrectly
C05	Incorrect payment code	Entry posted to demand Account should contain savings payment codes or vice versa
C06	Incorrect bank account number and transit code	The bank account number must be changed, and the payment code should indicate posting to another account type (demand/savings)
C07	Incorrect transit/routing number, bank account number, and payment code	Changes required in three fields indicated
C09	Incorrect individual ID number	Individual’s ID number is incorrect
C10	Incorrect company name	The company name is no longer valid and should be changed.
C11	Incorrect company identification	Company ID is no longer valid and should be changed
C12	Incorrect company name and company ID	Both the company name and company id are no longer valid and must be changed