ACH Distribution Codes

Access this screen from the ACH Distribution Listing screen.

Helpful Resources

How to Place a Stop Pay on an ACH Distribution


Distribution Codes are entered for normal transactions such as deposits, withdrawals, and payments. These are CU*BASE codes which correspond to ACH numeric codes; the CU*BASE codes were designed to make them easy to read and remember.

SEE ALSO: Matching CU*BASE Distribution Types to ACH Tran Codes

For each distribution, enter one of the following codes to indicate the kind of transaction being performed:


Credit to a General Ledger account

  • Be sure to enter the G/L account starting with Corp ID, then Branch, then G/L account number.


Debit to a General Ledger account

  • Be sure to enter the G/L account starting with Corp ID, then Branch, then G/L account number.


Stop pay for General Ledger ACH


Current year deposit to IRA


Prior year deposit to IRA


Credit (payment) to a loan account

  • NOTE: This cannot be assigned to sequence 99 unless the entire ACH transmission should be deposited into this loan account.


Debit (withdrawal) to a loan account

  • This is not common; its most common use would be for corrections to loan credits.)


Deposit to share type accounts

  • NOTE: Deposits to an HSA savings/checking or certificate will be treated as a current-year deposit.  Be careful: if you happen to use an HSA account as the base account (seq 99) and you also have distributions from that account to another of the member’s HSA accounts (such as from an HSA savings to an HSA checking account), the HSA balance file would show duplicate deposit/withdrawal transactions instead of non-reportable transfers, and would need to be manually adjusted to keep the HSA balance file totals correct.  (For transfers between HSA accounts, it is better to use AFTs so that you can specify the proper posting codes.)


Withdrawal from share type accounts


Return Distribution Codes

These codes are used to prevent a distribution from hitting a member's account. For example, if the member notifies you of an unauthorized payment being taken from her account, return code “10” would be entered on the distribution record. The next time this item was received it would be placed in the ACH suspense G/L and printed on the “ACH Pre-authorized Return Item Register” report (PXACH3), as well as on the standard exception report (PXACH). This item could then be returned using your normal return procedures.

Enter one of the following return codes into the Distribution tran type field to indicate why the transaction should be stopped:


Unauthorized Corporate Debit to Consumer Acct


Authorization Revoked By Customer


Payment Stopped


Customer Advises Not Authorized


Rep. Payee Deceased


Account Holder or Beneficiary Deceased


Account Frozen


Non-Transaction Account


Credit Entry Refused by Receiver


IMPORTANT NOTE: These codes are taken from the 2004 ACH Rules guide (published by NACHA). However, this is not a complete list of return codes allowed by ACH. These codes are the only ones that can be entered into CU*BASE to instruct the system to automatically “kick out” an item before it hits the member account.

Related Topics

ACH Return / NOC Codes

Understanding Distribution Code Edits



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