ACH Return and Notification of Change (NOC) codes, time-frames, and applicable external account types.
Banks can send a number of notifications along with the success or failure confirmations of a payment. Below we walk through the various types of Returns and Notification of Changes you may experience with a bank.
ACH Return Codes
When an ACH transfer fails, a return code is attached to the return notice from the bank. Below you will find a table of those codes, a short description, the maximum number of days the particular code can be issued, and the external account type for which the return is possible.
| Code | Short Description | Time Frame | Account Types |
|---|---|---|---|
| R01 | Insufficient Funds | 2 Banking Days | Consumer or Non-Consumer |
| R02 | Account Closed | 2 Banking Days | Consumer or Non-Consumer |
| R03 | No Account/Unable to Locate Account | 2 Banking Days | Consumer or Non-Consumer |
| R04 | Invalid Account Number Structure | 2 Banking Days | Consumer or Non-Consumer |
| R05 | Unauthorized Debit to Consumer Account Using Corporate SEC Code | 60 Calendar Days | Consumer |
| R06 | Returned per ODFI's Request | Undefined | Consumer or Non-Consumer |
| R07 | Authorization Revoked by Customer | 60 Calendar Days | Consumer |
| R08 | Payment Stopped | 2 Banking Days | Consumer or Non-Consumer |
| R09 | Uncollected Funds | 2 Banking Days | Consumer or Non-Consumer |
| R10 | Customer Advises Unauthorized, Improper, Ineligible, or Part of an Incomplete Transaction | 60 Calendar Days | Consumer; Non-Consumer for ARC, BOC, IAT, or POP |
| R11 | Check Truncation Early Return | 60 Calendar Days | Consumer; Non-Consumer for ARC, BOC, POP, and IAT |
| R12 | Account Sold to Another DFI | 2 Banking Days | Consumer or Non-Consumer |
| R13 | Invalid ACH Routing Number | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R14 | Representative Payee Deceased or Unable to Continue in That Capacity | 2 Banking Days | Consumer or Non-Consumer |
| R15 | Beneficiary or Account Holder (Other Than a Representative Payee) Deceased | 2 Banking Days | Consumer |
| R16 | Account Frozen/Entry Returned per OFAC Instruction | 2 Banking Days | Consumer or Non-Consumer |
| R17 | File Record Edit Criteria | 2 Banking Days | Consumer or Non-Consumer |
| R18 | Improper Effective Entry Date | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R19 | Amount Field Error | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R20 | Non-Transaction Account | 2 Banking Days | Consumer or Non-Consumer |
| R21 | Invalid Company Identification | 2 Banking Days | Consumer or Non-Consumer |
| R22 | Invalid Individual ID Number | 2 Banking Days | Consumer or Non-Consumer |
| R23 | Credit Entry Refused by Receiver | RDFI must transmit Return upon receipt of Refusal | Consumer or Non-Consumer |
| R24 | Duplicate Entry | 2 Banking Days | Consumer or Non-Consumer |
| R25 | Addenda Error | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R26 | Mandatory Field Error | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R27 | Trace Number Error | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R28 | Routing Number Check Digit Error | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R29 | Corporate Customer Advises Not Authorized | 2 Banking Days | Non-Consumer |
| R30 | RDFI Not Participant in Check Truncation Program | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R31 | Permissible Return Entry (CCD and CTX Only) | Undefined | Non-Consumer |
| R32 | RDFI Non-Settlement | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R33 | Return of XCK Entry | 60 Calendar Days | Consumer or Non-Consumer |
| R34 | Limited Participation DFI | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R35 | Return of Improper Debit Entry | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R36 | Return of Improper Credit Entry | Next File Delivery Time Following Processing | Consumer or Non-Consumer |
| R37 | Source Document Presented for Payment | 60 Calendar Days | Consumer or Non-Consumer |
| R38 | Stop Payment on Source Document | 60 Calendar Days | Consumer or Non-Consumer |
| R39 | Improper Source Document/Source Document Presented for Payment | 2 Banking Days | Consumer or Non-Consumer |
| R45 | Invalid Individual / Company Name | N/A | N/A |
Notification of Change (NOC) Codes
Banks may inform you that something on the external account or payment instruction has changed using a Notification of Change. Often the payment will succeed, and this notice is to ensure you change future payments accordingly.
Automated NOC UpdatesWhen you receive a NOC, Modern Treasury will automatically update the External Accounts accordingly. You will be able to continue making future payments as expected. External Account changes will also be logged and emitted over Webhook Events.
| Code | Short Description |
|---|---|
| C01 | Incorrect DFI Account Number |
| C02 | Incorrect Routing Number |
| C03 | Incorrect Routing Number and Incorrect DFI Account Number |
| C05 | Incorrect Transaction Code |
| C06 | Incorrect DFI Account Number and Incorrect Transaction Code |
| C07 | Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code. |
| C08 | Incorrect Receiving DFI Identification (IAT Only) |
| C09 | Incorrect Individual Identification Number/Incorrect Receiver Identification Number |
| C13 | Addenda Format Error |
| C14 | Incorrect SEC Code for Outbound International Payment |