HORIZON-XE uses the same return reason codes to return ACH transactions that are developed by the National Automated Clearing House Association (NACHA) and are by all institutions that participate in the Automated Clearing House (ACH) program.
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Note For additional information on return reason codes, and for up-to-date reason codes and descriptions, refer to your institution's ACH Rules book and NACHA's website at http://www.nacha.org/. Return reason categories are found on the system by performing a query (using the AHRETRSN entity in the BANKCTL library).
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All return reason codes fall into one of the following categories, depending on the return reason code's purpose:
Automatic Entry Detail Return Entries
These return reason codes are only used by an ACH operator (the Fed, EPN, etc.). HORIZON-XE supports the transaction returned to the institution for that reason, but the return reason cannot be used by a HORIZON-XE user to return an item.
Return |
Return Reason Code Description |
R13 |
RDFI Not Qualified to Participate Invalid ACH Routing Number |
R18 |
Improper Effective Entry Date
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R19 |
Amount Field Error
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R25 |
Addenda Error
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R26 |
Mandatory Field Error
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R27 |
Trace Number Error
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R28 |
Routing Number Check Digit Error The Check Digit for a Routing Number is not valid. |
R30 |
RDFI Not Participant in Check Truncation Program |
R32 |
RDFI Non-Settlement The RDFI is not able to settle the entry. |
R34 |
Limited Participation DFI The RDFI's participation has been limited by a federal or state supervisor. |
R35 |
Return of Improper Debit Entry
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R36 |
Return of Improper Credit Entry
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Contested Dishonored Return Entries
These return reason codes are used to contest a dishonored return item on the Work with Returns/NOCs Maintenance selection screen. These return reason codes are only used by the RDFI.
Return |
Return Reason Code Description |
R71 |
Misrouted Dishonored Return The financial institution preparing the dishonored return entry (the ODFI of the original entry) has placed the incorrect Routing Number in the Receiving DFI Identification field (positions 04-12, including Check Digit, of the Entry Detail Record). |
R72 |
Untimely Dishonored Return The dishonored return entry has not been sent within the designated timeframe. |
R73 |
Timely Original Return The RDFI is certifying that the original return entry was sent within the timeframe designated in these rules. |
R75 |
Original Return Not a Duplicate The original return entry was not a duplicate of an entry previously returned by the RDFI. This code may be used by the RDFI to contest an entry dishonored by the ODFI using Return Reason Code R67 (Duplicate Return). This code may be used by the RDFI to contest the ODFI's dishonor of an entry as a duplicate return [R67 (duplicate return)] when the return was not a duplicate. |
R76 |
No Errors Found The original return entry did not contain the errors indicated by the ODFI in the Dishonored Return Entry bearing Return Reason Code R69 (Field Errors). This code is used by an RDFI to contest the ODFI's dishonor of a return entry for multiple errors [using return reason code R69 (multiple field errors)] when no errors were present. |
R77 |
R77 Non-Acceptance of R62 Dishonored Return This return reason can only be used to contest a dishonored return with a R62 return reason. |
Dishonored Return Entries
These return reason codes are used to dishonor a return item. These return reason codes are only used by the ODFI.
Return |
Return Reason Code Description |
R61 |
Misrouted Return The financial institution preparing the return entry (the RDFI of the original entry) has placed the incorrect Routing Number in the Receiving DFI Identification field (positions 04-12, including Check Digit, of the Entry Detail Record). |
R62 |
Return of Erroneous or Reversing Debit |
R67 |
Duplicate Return The ODFI has received more than one return for the same entry. |
R68 |
Untimely Return The return entry has not been sent within the timeframe established by these rules. |
R69 |
R69 Multiple Errors [Field Error(s)] Two or more of the following fields - Original Entry Trace Number, Amount, Individual Identification Number/Identification Number, Company Identification, and/or Tran code -- are incorrect. [One or more of the following fields – DFI Account Number, Original Entry Trace Number, Amount, Individual Identification Number/Identification Number, Company Identification, and/or Tran code - are incorrect. The ODFI must insert the appropriate code(s) from the list below, separated by an asterisk (*), within the Addenda Information Field of the Addenda Record Format for Automated Dishonored Returns to indicate the field(s) in which the errors occur:
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R70 |
Permissible Return Entry Not Accepted Permissible Return Entry Not Accepted/Return Not Requested by ODFI The ODFI has received a CCD or CTX return entry identified by the RDFI as being returned with the permission of the ODFI, but the ODFI has not agreed to accept the entry. This code may be used only to dishonor a return containing an R31 return reason code. The ODFI has received a return entry identified by the RDFI as being returned with the permission of, or at the request of, the ODFI, but the ODFI has not agreed to accept the entry or has not requested the return of the entry. This code may be used only to dishonor return entries containing return reason codes R06 and R31. |
Federal Government Agencies Use Only
These return reason codes are only be used by Federal government agencies to return automated enrollment (ENR) entries:
Return |
Return Reason Code Description |
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R40 |
Return of ENR Entry by Federal Government Agency (ENR only) The Federal Government Agency determines at its sole discretion to return an ENR entry. This return reason code may be used only to return ENR entries. |
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R41 |
Invalid Transaction Code (ENR only) Either the Tran code included in Field 3 of the Addenda Record does not conform to the ACH Record Format Specifications or it is not appropriate with regard to an automated enrollment entry.
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R42 |
Routing Number/Check Digit Error (ENR only) The Routing Number and the Check Digit included in Field 3 of the Addenda Record is either not a valid number or it does not conform to the Modulus 10 formula. |
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R43 |
Invalid DFI Account Number (ENR only) The consumer's or company's account number included in Field 3 of the Addenda Record must include at least one alphabetic character. |
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R44 |
Invalid Individual ID Number/Identification Number (ENR only) The Individual ID Number/Identification Number provided in Field 3 of the Addenda Record does not match a corresponding ID number in the Federal Government Agency's records. |
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R45 |
Invalid Individual Name/Company Name (ENR only) The name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency's records or fails to include at least one alphanumeric character. |
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R46 |
Invalid Representative Payee Indicator (ENR only) The Representative Payee Indicator Code included in Field 3 of the Addenda Record has been omitted or it is not consistent with the Federal Government Agency's records.
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R47 |
Duplicate Enrollment (ENR only) The entry is a duplicate of an automated enrollment entry previously initiated by a participant in the ENR automated enrollment program. |
Return Entries
These return reason codes are used to return an item and are considered RDFI Entries (R) return entries:
Return |
Return Reason Code Description |
R01 |
Insufficient Funds The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry. |
R02 |
Account Closed A previously active account has been closed by action of the customer or the Receiving Depository Financial Institution (RDFI). |
R03 |
No Account/Unable to Locate Account The account number structure is valid and it passes the check digit validation, but the account number does not correspond to the individual identified in the entry, or the account number designated is not an open account. (Note: This Return Reason Code may not be used to return ARC entries or POP entries that do not contain an Individual Name.) |
R04 |
Invalid Account Number The account number structure is not valid. The entry may fail the check digit validation or may contain an incorrect number of digits. |
R05 |
Reserved (Unauthorized Debit to Consumer Account Using Corporate SEC Code). A CCD, CTX, or CBR debit entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver. The Receiver may request immediate credit from the RDFI for an unauthorized debit. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury, pursuant to subsection 8.6.5 (Receiver's Written Statement Under Penalty of Perjury), that the debit entry was not authorized by the Receiver. For purposes of this code and related Operating Rules provisions, a debit entry was not authorized by a Receiver if (1) the authorization requirements of Article Two, subsection 2.1.2 (Receiver Authorization and Agreement) have not been met; (2) the debit entry was initiated in an amount greater than that authorized by the Receiver; or (3) the debit entry was initiated for settlement earlier than authorized by the Receiver. An unauthorized debit entry does not include a debit entry initiated with fraudulent intent by the Receiver or any person acting in concert with the Receiver. An RDFI using this return reason code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the original entry. |
R06 |
Returned per ODFI's Request The Originating Depository Financial Institution (ODFI) has requested that the RDFI return the ACH entry. If the RDFI agrees to return the entry, the ODFI must indemnify the RDFI according to Article Six (Return, Adjustment, Correction, and Acknowledgment of Entries and Entry Information) of these Rules. |
R07 |
Authorization Revoked by Customer (adjustment entries) The RDFI's customer (the Receiver) has revoked the authorization previously provided to the Originator for this particular transaction. The Receiver may request immediate credit from the RDFI for an unauthorized debit. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury that the authorization for the debit entry has been revoked by the Receiver. The RDFI must return the rescinded transaction to its ACH Operator by its deposit deadline for the adjustment entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the original entry. This code and related Operating Rule provisions apply to Consumer entries only. (Note: This Return Reason Code may not be used for POP entries, Single-Entry WEB entries, or TEL entries.) |
R08 |
Payment Stopped The Receiver of a debit transaction has the right to stop payment on any specific ACH debit. A stop payment request is handled in accordance with the provisions of Article Eight (Recall, Stop Payment, Recredit, and Adjustment) of these Rules. The RDFI verifies the Receiver's intent when a request for stop payment is made to ensure this is not intended to be a revocation of authorization (R07). A stop payment order shall remain in effect until the earliest of the following occurs: a lapse of six months from the date of the stop payment order, payment of the debit entry has been stopped, or the Receiver withdraws the stop payment order. |
R09 |
Uncollected Funds Sufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of transactions in the process of collection (i.e., uncollected checks) brings the available and/or cash reserve balance below the dollar value of the debit entry. |
R10 |
Customer Advises Not Authorized, Notice Not Provided, Improper Source Document, or Amount of Entry Not Accurately Obtained from Source Document (adjustment entries)
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R11 |
Check Truncation Entry Return (Specify) To be used when returning a check truncation entry. This reason for return is used only if no other return reason code is applicable. The RDFI uses the appropriate field in the addenda record to specify the reason for return (i.e., "exceeds dollar limit," "no match on ARP," "stale date," etc.). The Addenda Information field is required when using this return reason code. |
R12 |
Account Sold to Another DFI A financial institution may continue to receive entries destined for an account that has been sold to another financial institution. Because the RDFI no longer maintains the account and is unable to post the entry, it returns the entry to the ODFI. |
R14 |
Representative Payee Deceased or Unable to Continue in that Capacity The representative payee is a person or institution authorized to accept entries on behalf of one or more other persons, such as legally incapacitated adults or minor children. The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased. |
R15 |
Beneficiary or Account Holder (Other Than a Representative Payee) Deceased
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R16 |
Account Frozen The funds in the account are unavailable due to specific action taken by the RDFI or by legal action. Access to the account is restricted due to specific action taken by the RDFI or by legal action. |
R17 |
Questionable transaction Beginning on June 21, 2019, a new NACHA rule will allow financial institutions to use return reason code R17 to indicate that they believe a transaction was initiated under questionable circumstances. |
R20 |
Non-Transaction Account The ACH entry destined for a non-transaction account, as defined in Regulation D, would include either an account against which transactions are prohibited or limited or a pass-through where the entry is for a credit union or thrift organization and Regulation E descriptive requirements cannot be met. |
R21 |
Invalid Company Identification The identification number used in the Company Identification Field is not valid. This Return Reason Code is normally used on CIE transactions. |
R22 |
Invalid Individual ID Number In CIE and MTE entries, the Individual ID Number is used by the Receiver to identify the account. The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct. |
R23 |
Credit Entry Refused by Receiver The Receiver may return a credit entry because one of the following conditions exists:
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R24 |
Duplicate Entry The RDFI has received what appears to be a duplicate entry; i.e., the trace number, date, dollar amount and/or other data matches another transaction. This code is used with extreme care. The RDFI should be aware that if a file is duplicated, the Originator may have already generated a reversal transaction to handle the situation. |
R29 |
Corporate Customer Advises Not Authorized The RDFI has been notified by the Receiver (non-consumer) that a specific transaction has not been authorized by the Receiver. |
R31 |
Permissible Return Entry (CCD and CTX only) The RDFI has been notified by the ODFI that the ODFI agrees to accept a CCD or CTX return entry in accordance with Article Eight, section 8.3 (ODFI Agrees to Accept CCD or CTX Return). |
R33 |
Return of XCK Entry The RDFI determines at its sole discretion to return an XCK entry. This return reason code may only be used to return XCK entries. An XCK entry may be returned up to sixty days after its Settlement Date. |
R37 |
Source Document Presented for Payment The source document to which an ARC entry or a POP entry relates has been presented for payment. The Receiver may request immediate credit from the RDFI for an ARC entry or a POP entry for the reason described above. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury that the source document was presented for payment. An RDFI using this return reason code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the ARC entry or the POP entry. |
R38 |
Stop Payment on Source Document The RDFI determines that a stop payment order has been placed on the source document to which the ARC entry relates. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the ARC entry to which the source document relates. |
R39 |
Improper Source Document The RDFI determines that the source document used for an ARC or POP entry to its Receiver's account is improper pursuant to subsections 3.7.2 (Source Documents) and 3.8.1 (Source Documents). An entry returned using this Return Reason Code must be received by the RDFI's ACH Operator by its deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the second banking day following the Settlement Date of the original entry. This code is used by an RDFI when the source document used for the debit entry is improper. |
R50 |
State Law Affecting RCK Acceptance
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R51 |
Item is Ineligible, Notice Not Provided, Signature Not Genuine, Item Altered, or Amount of Entry Not Accurately Obtained from Item (adjustment entries)
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R52 |
Stop Payment on Item (adjustment entries) The RDFI determines that a stop payment order has been placed on the item to which the RCK entry relates. An RDFI using this Return Reason Code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the RCK entry to which the item relates. |
R53 |
Item and ACH Entry Presented for Payment (adjustment entries) In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment. The Receiver may request immediate credit from the RDFI for an RCK entry for the reason described above. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury, pursuant to subsection 8.6.5.3 (Receiver's Written Statement Under Penalty of Perjury for RCK Entries), that both the RCK entry and the item to which it relates were presented for payment. An RDFI using this return reason code must transmit the return entry by its ACH Operator's deposit deadline for the return entry to be made available to the ODFI no later than the opening of business on the banking day following the sixtieth calendar day following the Settlement Date of the RCK entry. |
R80 |
Cross-Border Payment Coding Error The cross-border entry is being returned due to one or more of the following conditions:
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R81 |
Non-Participant in Cross-Border Program The cross-border entry is being returned because the Originating Gateway Operator does not have an agreement with the ODFI to process cross-border entries. This return reason code is only used by the gateway operator when the SEC code of the transaction is IAT. The following message displays if this return reason code is used with a record that does not have an SEC code of IAT: |
R82 |
Invalid Foreign Receiving DFI Identification The reference used to identify the Foreign Receiving DFI of an outbound cross-border entry is invalid. This return reason code is only used by the gateway operator when the SEC code of the transaction is IAT. The following message displays if this return reason code is used with a record that does not have an SEC code of IAT: |
R83 |
Foreign Receiving DFI Unable to Settle The cross-border entry is being returned due to settlement problems in the foreign payment system. This return reason code is only used by the gateway operator when the SEC code of the transaction is IAT. The following message displays if this return reason code is used with a record that does not have an SEC code of IAT: |
R84 |
Entry Not Processed by OGO The cross-border entry has not been processed and is being returned at the OGO's discretion because the processing of such entry may expose the OGO to excessive risk. This return reason code is only used by the gateway operator when the SEC code of the transaction is IAT. The following message displays if this return reason code is used with a record that does not have an SEC code of IAT: |