Overview

This document provides comprehensive information about NACHA (National Automated Clearing House Association) and RCC (Remote Check Capture) return codes used in electronic payment processing. These codes indicate why a payment transaction was returned or rejected by the receiving financial institution.

ACH (Automated Clearing House) Return Codes

Code	Description	Explanation
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

RCC Return Codes

Code	Description	Explanation
A	NSF - Not Sufficient Funds	The account lacks sufficient funds to cover the check amount
B	UCF - Uncollected Funds Hold	Funds are available but on hold pending collection
C	Stop Payment	The account holder has requested to stop payment on this check
D	Closed Account	The account has been closed by the account holder or bank
E	UTLA - Unable to Locate Account	The account number cannot be found in the bank's system
F	Frozen/Blocked Account	The account has been frozen due to legal action or suspicious activity
G	Stale Dated	The check is older than 6 months from the date written
H	Post Dated	The check date is in the future
I	Endorsement Missing	Required endorsement is absent from the check
J	Endorsement Irregular	Endorsement is present but irregular or suspicious
K	Signature(s) Missing	Required signature(s) are missing
L	Signature(s) Irregular	Signature(s) present but don't match bank records
M	Non-Cash Item (Non-Negotiable)	Item is not a negotiable instrument
N	Altered/Fictitious Item	Check has been altered or is suspected to be fictitious
O	Unable to process	Unable to process physical item/mutilated with missing critical payment information
P	Items Exceeds Dollar Limit	The check amount exceeds predetermined limits
Q	Not Authorized	The payment was not authorized by the account holder
R	Branch/Account Sold (Wrong Bank)	Account has been transferred to another financial institution
S	Refer to Maker	The check requires verification from the check writer
T	Stop Payment Suspect	Similar to stop payment but flagged as suspicious
U	Unusable Image	Image quality is insufficient for processing
W	Cannot Determine Amount	The check amount cannot be clearly determined
X	Refer to Image	Additional image review is required
Y	Duplicate presentment	The same check has been presented multiple times
Z	Forgery	Suspected forgery - affidavit available upon request