| 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 |
