There are a number of different ACH return codes that can be issued by banks or other financial institutions. Here is a guide to some of the most common ACH return codes and what they mean.
R01 – Insufficient Funds
This return code indicates that the account holder does not have enough money in their account to cover the transaction. This is the most common ACH return code and usually happens when someone tries to make a purchase with a debit or credit card but doesn’t have enough money in their account.
R02 – Account Closed
This return code means that the account holder’s bank account has been closed. This could happen for a number of reasons, including if the account holder has not used the account in a long time or if there are unpaid fees associated with the account.
R03 – No Account/Unable to Locate Account
This return code indicates that the account number referenced on the ACH transaction is invalid or that the bank was unable to locate the account.
R04 – Invalid Account Number
This could happen if the account number was entered incorrectly or if the account has been closed.
R05 – Unauthorized Debit to Consumer Account
This return code means that the account holder did not authorize the transaction. This could happen if someone tries to make an unauthorized purchase with the account holder’s debit or credit card.
R06 – Returned per ODFI’s Request
This return code indicates that the originating bank (ODFI) has requested that the transaction be returned. This could happen for a number of reasons, but usually happens when there is an error with the transaction.
R07 – Authorization Revoked by Customer
This return code means that the account holder has revoked the authorization for the transaction. This could happen if the account holder changes their mind about a purchase or if they believe that the transaction is unauthorized.
R08 – Payment Stopped
This return code indicates that the account holder has stopped payment on the transaction. This could happen if the account holder believes that the transaction is unauthorized or if they have changed their mind about the purchase.
R09 – Uncollected Funds
This is similar to return code R01, but usually happens when someone tries to make a purchase with a check or debit card but doesn’t have enough money in their account.
R10 – Customer Advises Not Authorized
This return code means that the account holder has told the bank that they did not authorize the transaction.
R11 – Check Truncation Entry Returned
This return code happens when a check is returned because it was not properly endorsed by the account holder. This could happen if the account holder forgot to sign the check or if they wrote “void” instead of signing their name.
R12 – Branch Sold to Another DFI
This return code happens when an account is closed because the bank branch that the account is held at has been sold to another financial institution. This usually happens when two banks merge together.
Finally, if you receive an ACH return code that is not on this list, it is important to contact your bank or the financial institution that issued the return code to find out what it means. There are a number of different ACH return codes and each one has a specific meaning. If you are unsure about what a particular return code means, be sure to ask your bank or the financial institution for clarification.
