|
R01 |
Insufficient Funds |
The available and/or cash reserve balance is not
sufficient to cover the dollar value of the debit entry. |
|
R02 |
Account Closed |
A previously active account has been
closed by action of the customer or the RDFI. |
|
R03
|
No Account/Unable to Locate Account |
The account number structure is valid
and it passes the check digit validation, but the account number does not
correspond to the individual identified in the entry, or the account number
designated is not an open account. [The account number structure is valid
and it passes the check digit validation, but the account number does not
correspond to the individual identified in the entry, or the account number
designated is not an open account. (Note: This Return Reason Code
may not be used to return POP entries that do not contain an Individual
Name.) ] |
|
R04
|
Invalid Account Number |
The account number structure is not
valid. The entry may fail the check digit validation or may contain an
incorrect number of digits. |
|
R05
|
Reserved |
|
|
R06 |
Returned per ODFI's Request |
The ODFI has requested that the RDFI
return the ACH entry. If the RDFI agrees to return the entry, the ODFI must
indemnify the RDFI according to Article Five (Return, Adjustment,
Correction, and Acknowledgment of Entries and Entry Information) of these
Rules. |
|
R07
|
Authorization Revoked by Customer
(adjustment entries) |
The RDFI's customer (the Receiver) has
revoked the authorization previously provided to the Originator for this
particular transaction. The Receiver may request immediate credit from the
RDFI for an unauthorized debit. The request must be made in writing within
fifteen (15) days after the RDFI sends or makes available to the Receiver
information pertaining to that debit entry. The Receiver must also provide
the RDFI with an executed affidavit declaring and swearing under oath that
the authorization for the debit entry has been revoked by the Receiver. The
RDFI must return the rescinded transaction to its ACH Operator by its
deposit deadline for the adjustment entry to be made available to the ODFI
no later than the opening of business on the banking day following the
sixtieth calendar day following the Settlement Date of the original entry.
This code and related Operating Rule provisions apply to Consumer entries
only.[(Note: This Return Reason Code may not be used for POP
entries) ] |
|
R08
|
Payment Stopped or Stop Payment on
Item |
The Receiver of a recurring debit transaction has the
right to stop payment on any specific ACH debit. A stop payment request
should be handled in accordance with the provisions of Article Seven
(Recall, Stop Payment, Recredit, and Adjustment) of the Rules. The RDFI
should verify the Receiver's intent when a request for stop payment is made
to ensure this is not intended to be a revocation of authorization (R07). A
stop payment order shall remain in effect until the earliest of the
following occurs: a lapse of six months from the date of the stop payment
order, payment of the debit entry has been stopped, or the Receiver
withdraws the stop payment order.
OR
The
RDFI determines that a stop payment order has been placed on the item to
which the PPD debit entry constituting notice of presentment or the PPD
Accounts Receivable Truncated Check Debit Entry relates. [The RDFI
determines that a stop payment order has been placed on the item to which
the PPD Accounts Receivable Truncated Check Debit Entry relates.] An
RDFI using this Return Reason Code must transmit the return entry by its ACH
Operator's deposit deadline for the return entry to be made available to the
ODFI no later than the opening of business on the banking day following the
sixtieth calendar day following the Settlement Date of the PPD debit entry
to which the item relates. |
|
R09 |
Uncollected Funds |
Sufficient book or ledger balance
exists to satisfy the dollar value of the transaction, but the dollar value
of transactions in the process of collection (i.e., uncollected checks)
brings the available and/or cash reserve balance below the dollar value of
the debit entry. |
|
R10
|
Customer Advises Not Authorized;
Item Is Ineligible, Notice Not Provided, Signatures Not Genuine, or Item
Altered (adjustment entries) |
For entries to Consumer Accounts that are not PPD
debit entries constituting notice of presentment
or PPD Accounts Receivable Truncated Check Debit Entries in accordance with
Article Two, subsection 2.1.4(2), the RDFI has been notified by its
customer, the Receiver, that the Originator of a given transaction has not
been authorized to debit his account.
[For entries to Consumer Accounts that are not PPD Accounts Receivable
Truncated Check Debit Entries in accordance with Article Two, subsection
2.1.4(2) (Authorization/Notification for PPD Accounts Receivable Truncated
Check Debit Entries), the RDFI has been notified by its customer, the
Receiver, that the Originator of a given transaction has not been authorized
to debit his account.] The Receiver may request immediate credit from
the RDFI for an unauthorized debit. The request must be made in writing
within fifteen (15) days after the RDFI sends or makes available to the
Receiver information pertaining to that debit entry. The Receiver must also
provide the RDFI with an executed affidavit declaring and swearing under
oath that the debit entry was not authorized by the Receiver. For purposes
of this code and related Operating Rules provisions, a debit entry was not
authorized by the Receiver if (1) the authorization requirements of Article
Two, subsection 2.1.2 (Receiver Authorization and Agreement) have not been
met; (2) the debit entry was initiated in an amount greater than that
authorized by the Receiver; or (3) the debit entry was initiated for
settlement earlier than authorized by the Receiver. An unauthorized debit
entry does not include a debit entry initiated with fraudulent intent by the
Receiver or any person acting in concert with the Receiver. The RDFI must
return the rescinded transaction to its ACH Operator by its deposit deadline
for the adjustment entry to be made available to the ODFI no later than the
opening of business on the banking day following the sixtieth calendar day
following the Settlement Date of the original entry. This code and related
Operating Rule provisions apply to Consumer entries only.
OR
For PPD
debit entries constituting notice of presentment, the RDFI has been notified
by its customer, the Receiver, that (1) the item to which the PPD debit
entry relates is ineligible as provided for within Article Two, subsection
2.8.2 (Eligible Item), (2) the required notice was not provided by the
Originator in accordance with Article Three, subsection 3.5.2 (Notice
Obligation), (3) all signatures on the item to which the PPD debit entry
constituting notice of presentment relates are not authentic or authorized,
or (4) the item to which the PPD debit entry constituting notice of
presentment relates has been altered. The Receiver may request immediate
credit from the RDFI for a PPD debit entry constituting notice of
presentment for the reasons described above. The request must be made in
writing within fifteen (15) days after the RDFI sends or makes available to
the Receiver information pertaining to that debit entry. The Receiver must
also provide the RDFI with an executed affidavit declaring and swearing
under oath that (1) the item to which the debit entry relates is ineligible,
(2) the required notice was not provided, (3) all signatures on the item to
which the PPD debit entry constituting notice of presentment relates are not
authentic or authorized, or (4) the item to which the PPD debit entry
constituting notice of presentment relates has been altered. An RDFI using
this Return Reason Code must transmit the return entry by its ACH Operator's
deposit deadline for the return entry to be made available to the ODFI no
later than the opening of business on the banking day following the sixtieth
calendar day following the Settlement Date of the PPD debit entry to which
the item relates.
[Effective September 15, 2000, with the implementation of the RCK
format, the PPD Standard Entry Class Code will no longer be available for
use for re-presented check entry transactions. This paragraph will be
removed as it will no longer be relevant to the description of Return Reason
Code R10.]
OR
For PPD
Accounts Receivable Truncated Check Debit Entries, the RDFI has been
notified by its customer, the Receiver, that (1) the item to which the PPD
debit entry relates is ineligible as provided for within Article Two,
subsection 2.9.2 (Eligible Item), (2) the required notice was not provided
by the Originator in accordance with Article Three, subsection 3.6.1 (Notice
Obligation), (3) all signatures on the item to which the PPDAccounts
Receivable Truncated Check Debit Entry relates are not authentic or
authorized, or the item to which the PPD Accounts Receivable Truncated Check
Debit Entry relates has been altered, or (4) the Receiver has provided
notice to the Originator not to truncate the item to which this entry
relates in accordance with Article Two, subsection 2.1.4(2)
(Authorization/Notification for PPD Accounts Receivable Truncated Check
Debit Entries). The Receiver may request immediate credit from the RDFI for
a PPD Accounts Receivable Truncated Check Debit Entry for the reasons
described above. The request must be made in writing within fifteen (15)
days after the RDFI sends or makes available to the Receiver information
relating to that debit entry. The Receiver must also provide the RDFI with
an executed affidavit declaring and swearing under oath that (1) the item to
which the debit entry relates is ineligible, (2) the required notice was not
provided, (3) all signatures on the item to which the PPD Accounts
Receivable Truncated Check Debit Entry relates are not authentic or
authorized, or the item to which the PPD Accounts Receivable Truncated Check
Debit Entry relates has been altered, or (4) the Receiver has provided
notice to the Originator not to truncate the item to which this entry
relates. An RDFI using this Return Reason Code must transmit the return
entry by its ACH Operator's deposit deadline for the return entry to be made
available to the ODFI no later than the opening of business on the banking
day following the sixtieth calendar day following the Settlement Date of the
PPD debit entry to which the item relates. |
|
R11 |
Check Truncation Entry Return
(Specify) or State Law Affecting Acceptance of PPD Debit Entry Constituting
Notice of Presentment or PPD Accounts Receivable Truncated Check Debit Entry
[Check Truncation Entry Return (Specify) or State Law Affecting
Acceptance of PPD Accounts Receivable Truncated Check Debit Entry] |
To be used when returning a check truncation entry.
This reason for return should be used only if no other return reason code is
applicable. The RDFI should use the appropriate field in the addenda record
to specify the reason for return (i.e., "exceeds dollar limit," "no match on
ARP," "stale date," etc.).
OR
For PPD
debit entries constituting notice of presentment or PPD Accounts Receivable
Truncated Check Debit Entries, either
[For PPD Accounts Receivable Truncated Check Debit Entries, either]
(1) the
RDFI is located in a state that has not adopted Revised Article 4 of the
Uniform Commercial Code (1990 Official Text) and has not revised its
customer agreements to allow for electronic presentment.
Or
(2) the
RDFI is located in a state that requires all canceled checks to a specific
type of account to be returned to the Receiver within the periodic
statement.
A PPD
debit entry constituting notice of presentment of an eligible item as
defined by Article Two, subsection 2.8.2 (Eligible Item) or a PPD Accounts
Receivable Truncated Check Debit Entry as defined by Article Two, subsection
2.9.2 (Eligible Item) returned using this Return Reason Code must be
transmitted by the RDFI to its ACH Operator no later than midnight of the
second banking day following the banking day of receipt of the presentment
notice.
[A PPD Accounts Receivable Truncated Check Debit Entry as defined by
Article Two, subsection 2.9.2 (Eligible Item) returned using this Return
Reason Code must be transmitted by the RDFI to its ACH Operator no later
than midnight of the second banking day following the banking day of receipt
of the presentment notice.] |
|
R12 |
Branch Sold to Another DFI |
A financial institution may continue to
receive entries destined for an account at a branch that has been sold to
another financial institution. Because the RDFI no longer maintains the
account and is unable to post the entry, it should return the entry to the
ODFI. |
|
R13 |
RDFI not qualified to participate |
|
|
R14 |
Representative Payee Deceased or
Unable to Continue in that Capacity |
The representative payee is a person or
institution authorized to accept entries on behalf of one or more other
persons, such as legally incapacitated adults or minor children. The
representative payee is either deceased or unable to continue in that
capacity. The beneficiary is not deceased. |
|
R15 |
Beneficiary or Account Holder (Other
Than a Representative Payee) Deceased |
(1) The beneficiary is the person entitled to the
benefits and is deceased. The beneficiary may or may not be the account
holder; or
(2) The
account holder (acting in a non-representative payee capacity) is an owner
of the account and is deceased. |
|
R16 |
Account Frozen |
The funds in the account are
unavailable due to specific action taken by the RDFI or by legal action. |
|
R17
|
File Record Edit Criteria (Specify) |
Some fields that are not edited by the
ACH Operator are edited by the RDFI. If the entry cannot be processed by
the RDFI, the field(s) causing the processing error must be identified in
the addenda record information field of the return. |
|
R20 |
Non-Transaction Account |
The ACH entry destined for a
non-transaction account, as defined in Regulation D, would include either an
account against which transactions are prohibited or limited or a
pass-through where the entry is for a credit union or thrift organization
and Regulation E descriptive requirements cannot be met. |
|
R21 |
Invalid Company Identification |
The identification number used in the
Company Identification Field is not valid. This Return Reason Code will
normally be used on CIE transactions. |
|
R22
|
Invalid Individual ID Number |
In CIE and MTE entries, the Individual
ID Number is used by the Receiver to identify the account. The Receiver has
indicated to the RDFI that the number with which the Originator was
identified is not correct. |
|
R23 |
Credit Entry Refused by Receiver |
The Receiver may return a credit entry
because one of the following conditions exists: (1) a minimum amount
required by the Receiver has not been remitted; (2) the exact amount
required has not been remitted; (3) the account is subject to litigation and
the Receiver will not accept the transaction; (4) acceptance of the
transaction results in an overpayment; (5) the Originator is not known by
the Receiver; or (6) the Receiver has not authorized this credit entry to
this account. |
|
R24 |
Duplicate Entry |
The RDFI has received what appears to
be a duplicate entry; i.e., the trace number, date, dollar amount and/or
other data matches another transaction. This code should be used with
extreme care. The RDFI should be aware that if a file has been duplicated,
the Originator may have already generated a reversal transaction to handle
the situation. |
|
R29 |
Corporate Customer Advises Not
Authorized |
The RDFI has been notified by the
Receiver (non-consumer) that the Originator of a given transaction has not
been authorized to debit the Receiver's account. |
|
R31
|
Permissible Return Entry (CCD and
CTX only) |
The RDFI has been notified by the ODFI
that the ODFI agrees to accept a CCD or CTX return entry in accordance with
Article Seven, section 7.3 (ODFIAgrees to Accept CCD or CTXReturn). |
|
R33 |
Return of XCK Entry |
The RDFI determines at its sole
discretion to return an XCK entry. This return reason code may only be used
to return XCK entries. An XCK entry may be returned up to sixty days after
its Settlement Date. |
