Full list of every ACH return code
Last updated: March 13, 2026
Return Code | Title | Timeframe |
R01 | Insufficient Funds | 2 Banking Days |
R02 | Account Closed | 2 Banking Days |
R03 | No Account / Unable to Locate Account | 2 Banking Days |
R04 | Invalid Account Number | 2 Banking Days |
R05 | Unauthorized Debit to Consumer Account | 60 Calendar Days |
R06 | Returned per ODFI’s Request | Undefined |
R07 | Authorization Revoked by Customer | 60 Calendar Days |
R08 | Payment Stopped | 2 Banking Days |
R09 | Uncollected Funds | 2 Banking Days |
R10 | Customer Advises Not Authorized | 60 Calendar Days |
R11 | Check Truncation Entry Return | 60 Calendar Days |
R12 | Branch Sold to Another DFI | 2 Banking Days |
R13 | Invalid ACH Routing Number | Next File Delivery Time Following Processing |
R14 | Representative Payee Deceased | 2 Banking Days |
R15 | Beneficiary or Account Holder Deceased | 2 Banking Days |
R16 | Account Frozen | 2 Banking Days |
R17 | File Record Edit Criteria | 2 Banking Days |
R18 | Improper Effective Entry Date | Next File Delivery Time Following Processing |
R19 | Amount Field Error | Next File Delivery Time Following Processing |
R20 | Non-Transaction Account | 2 Banking Days |
R21 | Invalid Company Identification | 2 Banking Days |
R22 | Invalid Individual ID Number | 2 Banking Days |
R23 | Credit Entry Refused by Receiver | RDFI Must Transmit Return Upon Receipt of Refusal |
R24 | Duplicate Entry | 2 Banking Days |
R25 | Addenda Error | Next File Delivery Time Following Processing |
R26 | Mandatory Field Error | Next File Delivery Time Following Processing |
R27 | Trace Number Error | Next File Delivery Time Following Processing |
R28 | Routing Number Check Digit Error | Next File Delivery Time Following Processing |
R29 | Corporate Customer Advises Not Authorized | 2 Banking Days |
R30 | RDFI Not Participant in Check Truncation Program | Next File Delivery Time Following Processing |
R31 | Permissible Return Entry (CCD and CTX only) | Undefined |
R32 | RDFI Non-Settlement | Next File Delivery Time Following Processing |
R33 | Return of XCK Entry | 60 Calendar Days |
R34 | Limited Participation DFI | Next File Delivery Time Following Processing |
R35 | Return of Improper Debit Entry | Next File Delivery Time Following Processing |
R36 | Return of Improper Credit Entry | Next File Delivery Time Following Processing |
R37 | Source Document Presented for Payment | 60 Calendar Days |
R38 | A stop payment was placed on the source document of the transaction | 60 Calendar Days |
R39 | Improper Source Document | 2 Banking Days |
R40 | Return of ENR Entry | 2 Banking Days |
R41 | Invalid Transaction Code | N/A |
R42 | Routing Number / Account Number Mismatch | N/A |
R43 | Invalid DFI Account Number | N/A |
R44 | Invalid Individual Identifier | N/A |
R45 | Invalid Individual Name | N/A |
R46 | Invalid Representative Payee Indicator | 1 Banking Day |
R47 | Duplicate Enrollment | 1 Banking Day |
R50 | State Law Affecting RCK Acceptance | 2 Banking Days |
R51 | Item is Ineligible, Notice Not Provided | 2 Banking Days |
R52 | Stop Payment on Item | 60 Banking Days |
R53 | Item and ACH Entry Presented for Payment | 60 Calendar Days |
R61 | Misrouted Return | 60 Calendar Days |
R62 | Incorrect Trace Number | 1 Banking Day |
R63 | Incorrect Dollar Amount | 1 Banking Day |
R64 | Incorrect Individual Identification | 1 Banking Day |
R65 | Incorrect Transaction Code | 1 Banking Day |
R66 | Incorrect Company Identification | 1 Banking Day |
R67 | Duplicate Return | 1 Banking Day |
R68 | Untimely Return | 1 Banking Day |
R69 | Multiple Errors | 1 Banking Day |
R70 | Permissible Return Entry Not Accepted / Notice Not Provided | 1 Banking Day |
R71 | Misrouted Dishonored Return | 1 Banking Day |
R72 | Untimely Dishonored Return | 1 Banking Day |
R73 | Timely Original Return | 1 Banking Day |
R74 | Corrected Return | 1 Banking Day |
R75 | Return Not a Duplicate | 1 Banking Day |
R76 | No Errors Found | Contested Return must be transmitted within 2 Banking Days |
R77 | Non-Acceptance of R62 Dishonored Return | Contested Return must be transmitted within 2 Banking Days |
R78 | Non-Acceptance of R68 Dishonored Return | 1 Banking Day |
R79 | Incorrect Data in Return Entry | 1 Banking Day |
R80 | IAT Entry | Contested Return must be transmitted within 2 Banking Days |
R81 | Non-Participant in IAT Program | Contested Return must be transmitted within 2 Banking Days |
R82 | Invalid Foreign Receiving DFI Identification | Contested Return must be transmitted within 2 Banking Days |
R83 | Foreign Receiving DFI Unable to Settle | Contested Return must be transmitted within 2 Bnkg. Days |
R84 | Entry Not Processed by Gateway | N/A |
R85 | Incorrectly Coded Outbound International Payment | 2 Banking Days |