Return Codes
Return Codes
R01 Insufficient Funds
R02 Account Closed
R03 No Account/ Unable to Locate Account
R04 Invalid Account Number/Structure
R05 Unathorized Debit to Consumer Account Using Corporate SEC code
R06 Returned per ODFI Request
R07 Authorization Revoked by Customer
R08 Payment Stopped
R09 Uncollected Funds
R10 Customer Advises Not Authorized, Improper, or Ineligible
R11 Check Truncation Entry Return
R12 Branch Sold to Another DFI
R13 RDFI Not Qualified/Incorrect Routing Number
R14 Representative Payee Deceased or Unable to Continue in That Capacity
R15 Beneficiary or 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 Not Authorized
R30 RDFI Not Participant in Check Truncation Program
R31 Permissible Return
R32 RDFI Non-Settlement
R33 Return of XCK Entry
R34 Limited Participation DFI
R35 Return of Improper Debit Entry
R36 Return of Improper Credit Entry
R37 Source Document Presented for Payment
R38 Stop Payment on Source Document
R39 Improper Source Document
FOR RCK TRANSACTIONS ONLY
R50 State Law Affecting RCK Acceptance
R51 Item Related to RCK Entry is Ineligible or RCK Entry is Improper
R52 Stop Payment on Item Related to RCK Entry
R53 Item and RCK Entry Presented for Payment
FOR RDFI CONTESTED DISHONORED RETURN ENTRIES ONLY
R71 Misrouted Dishonored Return
R72 Untimely Dishonored Return
R73 Timely Original Return
R74 Corrected Return
R75 Return Not a Duplicate
R76 No Errors Found
FOR IAT TRANSACTIONS ONLY
R80 IAT Entry Coding Error
R81 Non-Participant in IAT Program
R82 Invalid Foreign Receiving DFI Identification
R83 Foreign Receiving DFI Unable to Settle
R84 Entry Not Processed by Gateway
R85 Incorrectly Coded Outbound International Payment
Notice of Change
The following return codes are used when a "Notice of Change" occurs. This is created by a bank whenever the information in a transaction is incorrect and has been fixed by that bank. Any future transactions should use the corrected information.
C01 Incorrect Account Number
C02 Incorrect Routing Number
C03 Incorrect Routing and Account Number
C04 Incorrect Individual Name/Company Name
C05 Incorrect Transaction Code
C06 Incorrect Account Number and Transaction Code
C07 Incorrect Routing Number, Account Number, and Transaction Code
C08 Incorrect Receiving DFI Identification
C09 Incorrect Individual Identification Number
C13 Addenda Format Error
C14 Incorrect SEC Code for Outbound International Payment