| R01 | Insufficient Funds | Account has insufficient funds to complete the transaction |
| R02 | Account Closed | The account has been closed at the receiving bank |
| R03 | No Account / Unable to Locate Account | Account number structure is valid but account cannot be located |
| R04 | Invalid Account Number Structure | Account number does not conform to the RDFI's account number structure |
| R05 | Unauthorized Consumer Debit using Corporate SEC Code | Consumer account was debited using a corporate SEC code |
| R06 | ODFI Requested Return | Originating bank has requested the return of the transaction |
| R07 | Customer Revoked Authorization | Consumer has revoked authorization for the transaction |
| R08 | Payment Stopped | Consumer has placed a stop payment order on the transaction |
| R09 | Uncollected Funds | Account has insufficient collected funds |
| R10 | Originator not known and/or not authorized to Debit Receivers Account | Customer advises originator is not authorized to debit account |
| R11 | Customer advises not within Authorization Terms | Transaction not within the terms of the authorization |
| R12 | Account Sold to Another DFI | Account has been sold to another financial institution |
| R13 | Invalid ACH Routing No. | Routing number is not valid for ACH transactions |
| R14 | Representative Payee Deceased | Representative payee for the account is deceased |
| R15 | Beneficiary / Account Holder Deceased | Account holder is deceased |
| R16 | Account Frozen / Returned per OFAC | Account is frozen or blocked per OFAC requirements |
| R17 | File Record Edit Criteria / Suspicious Entry with Invalid Account No. / Return of Improperly-Initiated Reversal | Various technical and security issues |
| R18 | Improper Effective Date | Transaction contains an improper effective date |
| R19 | Amount Field Error | Transaction amount is incorrect or improperly formatted |
| R20 | Non-Transaction Account | Account is not set up to accept ACH transactions |
| R21 | Invalid Company ID | Company identification number is invalid |
| R22 | Invalid Individual ID | Individual identification number is invalid |
| R23 | Receiver Refused Credit | Account holder has refused to accept the credit |
| R24 | Duplicate Entry | Duplicate transaction has been submitted |
| R25 | Addenda Error | Error in addenda record |
| R26 | Mandatory Field Error | Required field is missing or invalid |
| R27 | Trace Number Error | Trace number is invalid or duplicate |
| R28 | Routing No. Check Digit Error | Routing number check digit is incorrect |
| R29 | Not Authorized by Corporate Customer | Corporate customer has not authorized the transaction |
| R30 | RDFI not in Check Truncation Program | Receiving bank does not participate in check truncation |
| R31 | Permissible Return (CCD and CTX only) | Return is permissible under CCD/CTX rules |
| R32 | RDFI Non-Settlement | Receiving bank cannot settle the transaction |
| R33 | Return of XCK | Return of destroyed check entry |
| R34 | Limited Participation DFI | Receiving bank has limited participation status |
| R35 | Improper Debit | Debit transaction is improper |
| R36 | Improper Credit | Credit transaction is improper |
| R37 | Source Document Presented | Original source document has been presented |
| R38 | Stop Payment on Source Document | Stop payment placed on the source document |
| R39 | Improper Source Document | Source document is improper or invalid |
| R40 | Return of ENR | Return of enrollment entry |
| R41 | Invalid Transaction Code | Transaction code is invalid |
| R42 | Routing No. / Check Digit Error | Routing number or check digit error |
| R43 | Invalid DFI Account No. | Bank account number is invalid |
| R44 | Invalid Individual ID No. | Individual identification number is invalid |
| R45 | Invalid Individual / Company Name | Name field contains invalid information |
| R46 | Invalid Representative Payee Indicator | Representative payee indicator is invalid |
| R47 | Duplicate Enrollment | Enrollment entry is a duplicate |
| R50 | State Law Affecting RCK Acceptance | State law prohibits acceptance of RCK entry |
| R51 | Ineligible / Improper Item Related to RCK | Item related to RCK is ineligible or improper |
| R52 | Stop Payment on Item Related to RCK | Stop payment on item related to RCK |
| R53 | Item and RCK Presented for Payment | Both original item and RCK entry presented |
| R61 | Misrouted Return | Return was sent to wrong ODFI |
| R62 | Erroneous / Reversing Debit | Return of erroneous debit |
| R67 | Duplicate Return | Return entry is a duplicate |
| R68 | Untimely Return | Return was not sent within required timeframe |
| R69 | Field Error | Error in one or more fields |
| R70 | Permissible Return Not Accepted / Not Requested by ODFI | ODFI did not accept or request permissible return |
| R71 | Misrouted Dishonored Return | Dishonored return was sent to wrong ODFI |
| R72 | Untimely Dishonored Return | Dishonored return was not sent within timeframe |
| R73 | Timely Original Return | Original return was sent within timeframe |
| R74 | Corrected Return | Return has been corrected |
| R75 | Return Not Duplicate | Return is not a duplicate |
| R76 | No Errors Found | No errors found in returned entry |
| R77 | Non-Acceptance of R62 | R62 return was not accepted |
| R80 | IAT Coding Error | International ACH transaction coding error |
| R81 | Non-Participant in IAT Program | Institution does not participate in IAT program |
| R82 | Invalid Foreign RDFI Identification | Foreign receiving bank identification is invalid |
| R83 | Foreign RDFI Unable to Settle | Foreign receiving bank cannot settle |
| R84 | Not Processed by Gateway | Transaction was not processed by gateway |
| R85 | Incorrectly Coded Outbound Intl Payment | Outbound international payment incorrectly coded |
