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 2023 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	Customer Advises Entry Not in Accordance with the Terms of the Authorization
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) (Not Currently Supported by CU*BASE)
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