ACH Return/NOC Codes

Return Codes

CodeShort Description
R01Insufficient Funds
R02Account Closed
R03No Account/Unable to Locate Account
R04Invalid Account Number Structure
R05Unauthorized Debit to Consumer Account Using Corporate SEC Code
R06Returned per ODFI's Request
R07Authorization Revoked by Customer
R08Payment Stopped
R09Uncollected Funds
R10Customer Advises Unauthorized, Improper, Ineligible, or Part of an Incomplete Transaction
R11Check Truncation Early Return
R12Account Sold to Another DFI
R13Invalid ACH Routing Number
R14Representative Payee Deceased or Unable to Continue in That Capacity
R15Beneficiary or Account Holder (Other Than a Representative Payee) Deceased
R16Account Frozen/Entry Returned per OFAC Instruction
R17File Record Edit Criteria
R18Improper Effective Entry Date
R19Amount Field Error
R20Non-Transaction Account
R21Invalid Company Identification
R22Invalid Individual ID Number
R23Credit Entry Refused by Receiver
R24Duplicate Entry
R25Addenda Error
R26Mandatory Field Error
R27Trace Number Error
R28Routing Number Check Digit Error
R29Corporate Customer Advises Not Authorized
R30RDFI Not Participant in Check Truncation Program
R31Permissible Return Entry (CCD and CTX Only)
R32RDFI Non-Settlement
R33Return of XCK Entry
R34Limited Participation DFI
R35Return of Improper Debit Entry
R36Return of Improper Credit Entry
R37Source Document Presented for Payment
R38Stop Payment on Source Document
R39Improper Source Document/Source Document Presented for Payment

Notification of Change Codes

CodeShort Description
C01Incorrect DFI Account Number
C02Incorrect Routing Number
C03Incorrect Routing Number and Incorrect DFI Account Number
C05Incorrect Transaction Code
C06Incorrect DFI Account Number and Incorrect Transaction Code
C07Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Tranaction Code.
C08Incorrect Receiving DFI Identification (IAT Only)
C09Incorrect Individual Identification Number/Incorrect Receiver Identification Number
C13Addenda Format Error
C14Incorrect SEC Code for Outbound International Payment