These codes are provided as a quick reference to use when completing an ACH Return Item or Notification of Change (NOC) request. These were taken from the 2007 ACH Rules guide (published by NACHA). Please refer to these rules for the most current codes.
· Click here for a description of the return codes that can be entered into the CU*BASE ACH distribution record.
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R01 |
Insufficient Funds |
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R02 |
Account Closed |
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R03 |
No Account/Unable to Locate Account |
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R04 |
Invalid Account # |
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R05 |
Unauthorized Corporate Debit to Consumer Account |
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R06 |
Returned per ODFI Request |
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R07 |
Authorization Revoked By Customer |
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R08 |
Payment Stopped |
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R09 |
Uncollected Funds |
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R10 |
Customer Advises Not Authorized |
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R11 |
Check Truncation Entry Return (Specify) |
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R12 |
Account Sold to Another DFI |
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R14 |
Rep. Payee Deceased/Incapacitated |
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R15 |
Beneficiary or Account Holder Deceased |
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R16 |
Account Frozen |
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R17 |
File Record Edit Criteria (Specify) |
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R20 |
Non-Transaction Account |
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R21 |
Invalid Company Identification |
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R22 |
Invalid Individual ID Number |
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R23 |
Credit Entry Refused by Receiver |
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R24 |
Duplicate Entry |
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R29 |
Corporate Customer Advises Not Authorized |
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R31 |
Permissible Return Entry (CCD, CTX) |
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R33 |
Return of XCK Entry |
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R37 |
Source Document Presented for Payment (ARC, POP, BOC) |
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R38 |
Stop Payment on Source Document (ARC, BOC) |
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R39 |
Improper Source Document (ARC, POP, BOC) |
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R50 |
State Law Affecting RCK Acceptance |
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R51 |
Item Ineligible, Notice not provided (RCK) |
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R52 |
Stop Payment on Item (RCK) |
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R53 |
Item and ACH Entry Presented for Payment (RCK) |
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Use Change Field: |
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C01 |
Incorrect DFI Account Number |
1 |
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C02 |
Incorrect Routing Number |
1 |
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C03 |
Incorrect Routing Number and Incorrect DFI Account Number |
1, 2 and 3 |
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C04 |
Incorrect Individual Name/Receiving Company Name |
1 |
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C05 |
Incorrect Transaction Code |
1 |
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C06 |
Incorrect DFI Account Number and Incorrect Transaction Code |
1 and 3 |
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C07 |
Incorrect Routing Number, Incorrect DFI Account Number and Incorrect Transaction Code |
1, 2, and 3 |
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C09 |
Incorrect Individual Identification Number |
1 |
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C13 |
Addenda Format Error |
n/a |
Link to ID: http://www.cuanswers.com/doc/gold/gold.htm#ACH_Return_NOC_Codes.htm