ACH Return Guide
Below is a table of return reason codes for ACH entries that the RDFI is unable to post. Stockman Bank will notify ACH Originators of returned entries.
RETURN CODE | DESCRIPTION | ACTION BY ORIGINATOR |
R01 | Insufficient Funds | Transfer may be resubmitted 2 times within 180 days of the settlement date of the original entry. Please see Reinitiating Returned Items for steps to reinitiate the transfers. |
R02 | Account Closed | Stop all transfers to closed account. Contact the receiver to obtain authorization for a different account. |
R03 | No Account/Unable to Locate Account | Stop all transfers to account. Contact the receiver to obtain authorization for a different account. |
R04 | Invalid Account | Must stop all transfers until correct account number is obtained. |
R05 | Unauthorized Debit to a Consumer Account Using Corporate SEC Code | Must stop all transfers to receiver. |
R07 | Authorization Revoked | Must stop initiation of entries until a new consumer authorization is obtained. |
R08 | Payment Stopped | Contact the receiver regarding the reason for the Stop Payment and determine if the entry should be stopped permanently. |
R09 | Uncollected Funds | Transfer may be resubmitted 2 times within 180 days of the settlement date of the original entry. Please see Reinitiating Returned Items for steps to reinitiate the transfers. |
R10 | Customer Advises Originator is Not Known to Receiver and/or Originator | Must stop all transfers to receiver. |
R11 | Customer Advises Entry Not in Accordance with the Terms of the Authorization | Contact receiver regarding the issue with the transfer. Transfer may be resubmitted within 60 days of original settlement date. Please see Reinitiating Returned Items for steps to reinitiate the transfers. |
R16 | Account Frozen | Must stop all transfers to receiver. |
R20 | Non-Transaction Account | Must stop all transfers to receiver. |
R29 | Corporate Advises Not Authorized | Must stop all transfers until a new authorization has been obtained. |
