ACH Return/NOC Codes

Return Codes

Code

Short Description

R01

Insufficient Funds

R02

Account Closed

R03

No Account/Unable to Locate Account

R04

Invalid Account Number Structure

R05

Unauthorized Debit to Consumer Account Using Corporate SEC Code

R06

Returned per ODFI's Request

R07

Authorization Revoked by Customer

R08

Payment Stopped

R09

Uncollected Funds

R10

Customer Advises Unauthorized, Improper, Ineligible, or Part of an Incomplete Transaction

R11

Check Truncation Early Return

R12

Account Sold to Another DFI

R13

Invalid ACH Routing Number

R14

Representative Payee Deceased or Unable to Continue in That Capacity

R15

Beneficiary or Account Holder (Other Than a Representative Payee) Deceased

R16

Account Frozen/Entry Returned per OFAC Instruction

R17

File Record Edit Criteria

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 Check Digit Error

R29

Corporate Customer Advises Not Authorized

R30

RDFI Not Participant in Check Truncation Program

R31

Permissible Return Entry (CCD and CTX Only)

R32

RDFI Non-Settlement

R33

Return of XCK Entry

R34

Limited Participation DFI

R35

Return of Improper Debit Entry

R36

Return of Improper Credit Entry

R37

Source Document Presented for Payment

R38

Stop Payment on Source Document

R39

Improper Source Document/Source Document Presented for Payment

Notification of Change Codes

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 Tranaction 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