Common ACH Exceptions
Following are some common exceptions, as shown on various ACH exception reports:
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Error Message |
Description |
Recommended Steps |
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Unable to make withdraw due to NSF from MBR acct (TACHD4 report) or NSF - ACH REVERSED (TACHD5 report) |
There were not sufficient funds in the member's account to post the item. |
Return the item using the Work Daily ACH Exceptions system.
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No MASTER record found for this account (TACHD4 report) |
The account was closed between the time the item was originally received in the warehouse and when the posting was attempted. |
Return the item using the Work Daily ACH Exceptions system.
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BASE ACCT # NOT FOUND (PXACH report) (PACHSU report) |
Base account number not found (the ACH distribution record exists, but the Account # field for the base 99 record is not recognized). |
Return the item using the Work Daily ACH Exceptions system. OR Create NOC (Notification of Change) Maintain the ACH distribution record for this member and use Post Feature. |
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DIST ACCT # NOT FOUND (PXACH report) OR INVALID DISTRB ACCOUNT # (PACHSU report) |
Distribution account number not found (the ACH distribution record exists, but the Account # field for the distribution record is not recognized). |
Maintain the ACH distribution record for this member. |
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DIST FUNDS GT BASE DEP (PXACH report) OR DISTB EXCEEDS DEPOSIT(PACHSU report) |
Distribution funds greater than total base deposit (there were not enough funds in the initial deposit to process a distribution). |
These items will NOT appear in the 870-11 account. Depending on credit union policy, you may choose to investigate the shortage and transfer funds manually. |
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ACH-AUTH. REVOKED BY CUS |
Authorization revoked by customer (a Return Code was entered on the ACH master distribution record). |
Manually return the item using the Work Daily ACH Exceptions system. |
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NO RECORDS IN ACH MASTER |
No records found in the ACH master file (either the system could not create the record or the record was deleted before the item could be posted). |
Create an ACH distribution record for this member.
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DIST DATE OUTSIDE EFFECTIVE (PXACH report) |
Distribution end date has passed (the system will not process the distribution passed the date provided on the ACH record) |
These items will NOT appear in the 870-11 account. Depending on credit union policy, you may choose to investigate the shortage and transfer funds manually. |
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Payment for 0.00 balance loan deposited to shares (TACHD4 report) |
ACH Deposit brought the loan to a $0.00 balance; the remainder of the loan was transferred to the savings account with description of (ACH/LOAN OVERPAY) |
These items will NOT appear in the 870-11 account. Depending on credit union policy, you may choose to investigate the shortage and transfer funds manually. |
Related Topics
Understanding ACH - Overview and Terminology
ACH Exception Handling: Overview
Understanding ACH Suspense Accounting