ACH Return / NOC Codes

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.

ACH Return Codes

R01

Insufficient Funds

R02

Account Closed

R03

No Account/Unable to Locate Account

R04

Invalid Account #

R05

Unauthorized Corporate Debit to Consumer Account

R06

Returned per ODFI Request

R07

Authorization Revoked By Customer

 

What is the official NACHA return code description?

Authorization Revoked by Customer

In what circumstance should the return code be used?

Member contacted the originator to stop the payment, but the company debited the member’s account anyway

At the time of the return request, would the item have been debited/paid from the member’s account?    

Yes

From the settlement date, how long does the member have to request that the item be returned?

60 days

What form is required?

Written Statement of Unauthorized Debit  

R08

Payment Stopped

 

What is the official NACHA return code description?

Payment Stopped or Stop Payment on Item

In what circumstance should the return code be used?

Member is trying to prevent debit from occurring.

At the time of the return request, would the item have been debited/paid from the member’s account?     

No

From the settlement date, how long does the member have to request that the item be returned?

2 days

What form is required?

Stop payment form

R09

Uncollected Funds

R10

Customer Advises Not Authorized

 

What is the official NACHA return code description?

Customer Advises Not Authorized; Item Is Ineligible, Notice Not Provided, Signatures Not Genuine, or Item Altered

In what circumstance should the return code be used?

  • Member never authorized payment.

  • Amount of transaction is different than what was authorized.

  • Transaction was initiated earlier than what had been agreed upon.

At the time of the return request, would the item have been debited/paid from the member’s account?    

Yes

From the settlement date, how long does the member have to request that the item be returned?

60 days

What form is required?

Written Statement of Unauthorized Debit

R11

Check Truncation Entry Return (Specify)

R12

Account Sold to Another DFI

R14

Rep. Payee Deceased/Incapacitated

R15

Beneficiary or Account Holder Deceased

R16

Account Frozen

R17

File Record Edit Criteria (Specify)

R20

Non-Transaction Account

R21

Invalid Company Identification

R22

Invalid Individual ID Number

R23

Credit Entry Refused by Receiver

R24

Duplicate Entry

R29

Corporate Customer Advises Not Authorized

R31

Permissible Return Entry (CCD, CTX)

R33

Return of XCK Entry

R37

Source Document Presented for Payment (ARC, POP, BOC)

R38

Stop Payment on Source Document (ARC, BOC)

R39

Improper Source Document (ARC, POP, BOC)

R50

State Law Affecting RCK Acceptance

R51

Item Ineligible, Notice not provided (RCK)

R52

Stop Payment on Item (RCK)

R53

Item and ACH Entry Presented for Payment (RCK)

 

ACH Change Codes

 

 

Use Change Field:

C01

Incorrect DFI Account Number

1

C02

Incorrect Routing Number

1

C03

Incorrect Routing Number and Incorrect DFI Account Number

1, 2 and 3

C04

Incorrect Individual Name/Receiving Company Name

1

C05

Incorrect Transaction Code

1

C06

Incorrect DFI Account Number and Incorrect Transaction Code

1 and 3

C07

Incorrect Routing Number, Incorrect DFI Account Number and Incorrect Transaction Code

1, 2, and 3

C09

Incorrect Individual Identification Number

1

C13

Addenda Format Error

n/a

 

 

 

Link to ID: http://help.cubase.org/cubase/#ACH_Return_NOC_Codes.htm