ACH/Check Return Codes

The table below lists all ACH/Check return codes and common solutions to said return reasons. All returns almost always originate with the payee's bank and ACHeck21 will never return any transaction without instruction from the bank to do so.

Return Code	Explanation	Action(s) Needed
R01	Insufficient Funds - customer does not have enough money in the account being billed.	Contact customer and discuss resolution options with them.
R02	Account Closed - Previously active account has been closed.	Contact customer to discuss resolution options with them.
R03	No Account/Unable to Locate Account - Account number is incorrect.	Review the account number that was submitted on gateway.acheck21.com or any partner software capable of reconciling the ACHeck21 transactions. Cross reference the account number with the customer and make sure to input a correct account number in a fresh transaction. If the customer is the one who submitted the transaction, reach out to them and inform them it was incorrect.
R04	Invalid Account Number - Account number structure is invalid. May have incorrect number or digits or contain a special character causing it to be rejected.	Obtain corrected account number and resubmit the transaction as a new transaction with the corrected account number.
R05	Unauthorized Debit Entry - transaction was disputed by either the customer or their bank.	Contact customer and find out why it was disputed. Once resolution has been reached, represent the transaction or use an alternative payment method.
R06	Returned per ODFI's request - The funds have been requested to return by the ODFI from the RDFI. ODFI is the bank belonging to either us, or a partner. RDFI's are the payee's bank.	Contact ACHeck21 for more information.
R07	Authorization Revoked by Customer - Customer who previously authorized the ACH has revoked it. This can be done no later than 60 days after a transaction has processed.	Contact the customer to find out why they revoked the authorization. Once matter is settled, the transaction can be submitted again.
R08	Payment Stopped - Customer directly ordered ACH to be stopped/denied	Contact customer and find out why they denied the authorization. Resolve the situation and resubmit the payment
R09	Uncollected Funds - Sufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of transactions in the process of collection (i.e., uncollected checks) brings the available and/or cash reserve balance below the dollar value of the debit entry.	Usually a sign that an item was submitted for the wrong amount. Double check details with customer.
R10	Customer Advises Not Authorized - Customer has claimed the transaction is fraudulent or the result of an ACH block on their account.	Contact customer and for more details as this could have been directly made by them or the result of a block. Have customer remove block with their bank (or add us as an exception), contact either your service provider or us directly to remove the block on our end, and resubmit the payment.
R11	Customer Advises Entry Not in Accordance With Terms of Authorization - basically, the customer believes that the terms of the arrangement for them to be ACH'ed were violated for any number of reasons and had the payment stopped.	Contact customer to resolve the situation and then resubmit the transaction.
R12	Branch Sold to Another DFI - Essentially, the banking branch the customer uses has been acquired by another bank.	Contact customer to correct their checks/routing information and resubmit the payment.
R13	RDFI Not Qualified to Participate/Invalid Routing Number - Customer's bank denied the transaction based on the grounds that they do not participate in ACH or the routing number is incorrect.	Contact customer to get corrected banking information.
R14	Representative Payee Deceased or Unable to Continue in that Capacity	N/A
R15	Beneficiary or Account Holder (Other than a Representative Payee) Deceased - Account holder/receiver of the funds has passed away.	Contact your bank to discuss the account, make what corrections that are necessary, and resubmit the payment.
R16	Account Frozen - Customer's bank has frozen their account.	Contact customer to resolve situation, then resubmit the payment.
R17	File Record Edit Criteria - Some fields of the transaction that were not edited by the merchant have been edited by the RDFI.	Resubmit/reprocess the payment
R20	Non-Transaction Account - Customer account you are attempting to ACH either limits transactions or does not allow for them.	Contact customer and acquire new banking information to bill.
R21	Invalid Company Identification - The ID number used in the Company ID field is not valid.	Contact ACHeck21
R23	Credit Entry Refused by Receiver - Customer has refused the credit transaction.	Contact the customer, resolve situation, and resubmit transaction if necessary.
R29	Corporate Customer Advises Not Authorized - This almost always means there is an ACH block on the customer's account.	Contact the customer to have them remove the block with their bank. The customer's bank may require our Company identifier (110333049). Our ID is 9 digits long; if the bank requires 10, just add a space at the end of our ID (110333049b where the b is there should be a space at the end) and that should work. Once that is completed, contact ACHeck21 or your provider to have the block removed in our system too. When contacting ACHeck21 concerning the block, email [email protected] and give us the "Document #" number found in the left column when viewing the check details of the transaction returned R29.
R31	Permissible Return Entry - Customer's bank has been notified by the merchant/our bank that the merchant/our bank agrees to accept a return entry.	Contact the bank or ACHeck21 for more information.
R33	Return of XCK Entry - Customer's bank determines at their discretion to return a XCK entry.	Contact customer
R36	Return of Improper Credit Entry	ACH Credit Entries are not allowed to utilize ARC, BOC, POP, RCK, TEL, and XCK (except in the case of reversing Entries). If you receive this return code, reattempt the credit using a different transaction type than was listed earlier.