ACH Return/NOC Codes

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.

CodeShort DescriptionTime FrameAccount Types
R01Insufficient Funds2 Banking DaysConsumer or Non-Consumer
R02Account Closed2 Banking DaysConsumer or Non-Consumer
R03No Account/Unable to Locate Account2 Banking DaysConsumer or Non-Consumer
R04Invalid Account Number Structure2 Banking DaysConsumer or Non-Consumer
R05Unauthorized Debit to Consumer Account Using Corporate SEC Code60 Calendar DaysConsumer
R06Returned per ODFI's RequestUndefinedConsumer or Non-Consumer
R07Authorization Revoked by Customer60 Calendar DaysConsumer
R08Payment Stopped2 Banking DaysConsumer or Non-Consumer
R09Uncollected Funds2 Banking DaysConsumer or Non-Consumer
R10Customer Advises Unauthorized, Improper, Ineligible, or Part of an Incomplete Transaction60 Calendar DaysConsumer; Non-Consumer for ARC, BOC, IAT, or POP
R11Check Truncation Early Return60 Calendar DaysConsumer; Non-Consumer for ARC, BOC, POP, and IAT
R12Account Sold to Another DFI2 Banking DaysConsumer or Non-Consumer
R13Invalid ACH Routing NumberNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R14Representative Payee Deceased or Unable to Continue in That Capacity2 Banking DaysConsumer or Non-Consumer
R15Beneficiary or Account Holder (Other Than a Representative Payee) Deceased2 Banking DaysConsumer
R16Account Frozen/Entry Returned per OFAC Instruction2 Banking DaysConsumer or Non-Consumer
R17File Record Edit Criteria2 Banking DaysConsumer or Non-Consumer
R18Improper Effective Entry DateNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R19Amount Field ErrorNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R20Non-Transaction Account2 Banking DaysConsumer or Non-Consumer
R21Invalid Company Identification2 Banking DaysConsumer or Non-Consumer
R22Invalid Individual ID Number2 Banking DaysConsumer or Non-Consumer
R23Credit Entry Refused by ReceiverRDFI must transmit Return upon receipt of RefusalConsumer or Non-Consumer
R24Duplicate Entry2 Banking DaysConsumer or Non-Consumer
R25Addenda ErrorNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R26Mandatory Field ErrorNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R27Trace Number ErrorNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R28Routing Number Check Digit ErrorNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R29Corporate Customer Advises Not Authorized2 Banking DaysNon-Consumer
R30RDFI Not Participant in Check Truncation ProgramNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R31Permissible Return Entry (CCD and CTX Only)UndefinedNon-Consumer
R32RDFI Non-SettlementNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R33Return of XCK Entry60 Calendar DaysConsumer or Non-Consumer
R34Limited Participation DFINext File Delivery Time Following ProcessingConsumer or Non-Consumer
R35Return of Improper Debit EntryNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R36Return of Improper Credit EntryNext File Delivery Time Following ProcessingConsumer or Non-Consumer
R37Source Document Presented for Payment60 Calendar DaysConsumer or Non-Consumer
R38Stop Payment on Source Document60 Calendar DaysConsumer or Non-Consumer
R39Improper Source Document/Source Document Presented for Payment2 Banking DaysConsumer or Non-Consumer
R45Invalid Individual / Company NameN/AN/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.

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Automated NOC Updates

When 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.

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