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.

IMPORTANT NOTE:  These were taken from the 2015 ACH Rules guide (published by NACHA). Please refer to these rules for the most current codes.

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

R13

Invalid ACH Routing Number  

R14

Rep. Payee Deceased/Incapacitated

R15

Beneficiary or Account Holder Deceased

R16

Account Frozen/Entry returned per OFAC instruction

R17

File Record Edit Criteria (Specify)

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 or check digit error

R29

Corporate Customer Advises Not Authorized

R30

RDFI not participant in check truncation program

R31

Permissible Return Entry (CCD, CTX)

R32

RDFI non-settlement

R33

Return of XCK Entry

R35

Limited Participation DFI

R35

Return of improper debit entry

R36

Return of improper credit 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)

R40

Return of ENR Entry by Federal Government Agency

R41

Invalid Transaction Code

R42

Routing Number/Check Digit error

R43

Invalid DFI Account number

R44

Invalid individual ID Number/Identification number

R45

Invalid Individual Name/Company Name

R46

Invalid Representative Payee Indicator

R47

Duplicate Enrollment

R50

State Law Affecting RCK Acceptance

R51

Item related to RCK entry is ineligible or RCK entry is improper

R52

Stop Payment on Item (RCK)

R53

Item and RCK entry presented for payment

R61

Misrouted Return  

R62

Return of erroneous or reversing debit

R67

Duplicate return

R68

Untimely return

R69

Field Error(s)

R70

Permissible return entry not accepted/return not requested by ODFI

R71

Misrouted dishonored return

R72

Untimely dishonored return

R73

Timely Original Return

R74

Corrected Return

R75

Return not a duplicate

R76

No errors found

R77

Non-acceptance of R62 Dishonored Return

 

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

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

C08

Incorrect Receiving DFI identification (IAT Only)

 

C09

Incorrect Individual Identification Number

1

C13

Addenda Format Error

n/a

 

ODFI

C61

Misrouted notification of change

C62

Incorrect trace number

C63

Incorrect company identification number

C64

Incorrect individual identification number/identification number

C65

Incorrectly formatted corrected data

C66

Incorrect discretionary data

C67

Routing number not from original entry detail record

C68

DFI Account number not from original entry detail record

C69

Incorrect transaction code

 

 

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