ACH Return Codes

R01: Insufficient Funds

R02: Account Closed

R03: No Account/Unable to Locate Account

R04: Invalid Account Number

R05: Reserved

R06: Returned per ODFIs Request

R07: Authorization Revoked by Customer

R08: Payment Stopped or Stop Payment on Item

R09: Uncollected Funds

R10: Customer Advises Not Authorized

R11: Check Truncation Entry Return

R12: Branch sold to another DFI

R13: RDFI not qualified to participate

R14: Re-presentment payee deceased or unable to continue in that capacity

R15: Beneficiary of account holder deceased

R16: Account Frozen

R17: File record edit criteria

R18: Improper effective entry date

R19: Amount field error

R20: Non-Transaction Account

R21: Invalid company identification

R22: Invalid individual ID number

R23: Credit entry refused by receiver

R24: Duplicate entry

R25: Addenda error

R26: Mandatory field error

R27: Trace number error

R28: Routing number check digit error

R29: Corporate customer advises not authorized

R30: RDFI not participant in check truncation program

R31: Permissible return entry

R32: RDFI non-settlement