| Response Code | Description |
|---|
| NACHA RETURN CODES |
| R01 | Insufficient Funds |
| R02 | Account Closed |
| R03 | No Account, Unable to Locate Account |
| R04 | Invalid Account Number |
| R06 | Returned per ODFI's Request |
| R07 | Authorization Revoked by Customer |
| R08 | Payment Stopped |
| R09 | Uncollected Funds |
| R10 | Customer Advises not Authorized |
| R11 | Check Truncation Entry Return |
| R12 | Branch Sold to Another DFI |
| R13 | RDFI not qualified to participate |
| R14 | Representative Payee Deceased or Unable to Continue in that Capacity |
| R15 | Account Holder Deceased |
| R16 | Account Frozen |
| 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 (CIE-MTE) |
| 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 (CIE) |
| R36 | Return of Improper Credit Entry (RCK) |
| R37 | Source Document Presented for Payment |
| R38 | Stop Payment On Source Document |
| R39 | Improper Source Doc |
| R40 | Return of ENR Entry by Federal Government Agency (ENR only) |
| R41 | Invalid Transaction Code (ENR only) |
| R42 | Routing Number/Check Digit Error (ENR only) |
| R43 | Invalid DFI Account Number (ENR only) |
| R44 | Invalid Individual ID Number/Identification Number (ENR only) |
| R45 | Invalid Individual Name/Company Name (ENR only) |
| R46 | Invalid Representative Payee Indicator (ENR only) |
| R47 | Duplicate Enrollment (ENR only) |
| R50 | State Law Affecting RCK Acceptance |
| R51 | The Amount of the RCK Entry was not Accurately Obtained from the Item |
| R52 | Stop Payment on Item (adjustment entries) |
| R53 | Item and ACH Entry Presented for Payment |
| R61 | Misrouted Return |
| R62 | Incorrect Trace Number |
| R63 | Incorrect Dollar Amount |
| R64 | Incorrect Individual Identification |
| R65 | Incorrect Transaction Code |
| R66 | Incorrect Company Identification |
| R67 | Duplicate Return |
| R68 | Untimely Return |
| R69 | Multiple Errors |
| R70 | Permissible Return Entry Not Accepted |
| R71 | Misrouted Dishonored Return |
| R72 | Untimely Dishonored Return |
| R73 | Timely Original Return |
| R74 | Corrected Return |
| R80 | Cross-Border Payment Coding Error |
| R81 | Non-Participant in Cross-Border Program |
| R82 | Invalid Foreign Receiving DFI Identification |
| R83 | Foreign Receiving DFI Unable to Settle |
| R84 | Entry Not Processed by OGO |
| R89 | No Consumer Authorization |
| R90 | ABA does not pass MOD check |
| R91 | Invalid ABA. The nine (9) characters are not numeric |
| R92 | ABA not active |
| R93 | Not a valid Tran Code SEC combination |
| R94 | Amount must be zero (0) for pre-note |
| R95 | Amount must be greater then zero (0) |
| R96 | Not a valid Tran code |
| R97 | Not a valid SEC code |
| R98 | Encryption Error or Account number larger then 17 or empty set |
| R99 | OFAC possible match |
| VARIOUS PROCESSOR & BANK RETURN CODES |
| F41 | Rejected by Processor |
| I103 | DUPLICATE ITEM WITHIN FILE (BFA PROCESSING) |
| I104 | DUPLICATE ITEM IN DATABASE (BFA PROCESSING) |
| I106 | ITEM FILECODE DOES NOT BELONG TO BFA FILECODE (BFA PROCESSING) |
| I107 | ZERO OR NEGATIVE AMOUNT (BFA PROCESSING) |
| I108 | INVALID ROUTING NUMBER (BFA PROCESSING) |
| I109 | INVALID FORMAT FOR ACCT NUMBER (BFA PROCESSING) |
| I110 | INVALID FORMAT FOR CHECK NUMBER (BFA PROCESSING) |
| I111 | ITEM AMOUNT OVER HARD MAX LIMIT (BFA PROCESSING) |
| I112 | ACCOUNT ON BLOCKED ACCT LIST (BFA PROCESSING) |
| M1 | Routing Number Failed Check Digit Validation |
| M10 | Name is Invalid |
| M11 | Amount is Missing |
| M12 | Amount is Invalid |
| M13 | Account Type is Missing |
| M14 | Account Type is Invalid |
| M15 | Company Code is Invalid |
| M16 | Rejected by Processor |
| M17 | Rejected by Processor |
| M18 | Rejected by Processor |
| M19 | Rejected by Processor |
| M2 | Routing Number is Missing |
| M20 | SEC Code is Missing |
| M21 | Credit Transaction for WEB or TEL SEC Code |
| M22 | SEC Code is Invalid |
| M23 | FH_Template_ID is Missing or Invalid |
| M24 | Rejected by Processor |
| M25 | Rejected by Processor |
| M26 | Rejected by Processor |
| M27 | Rejected by Processor |
| M28 | Rejected by Processor |
| M29 | Rejected by Processor |
| M3 | Account Number is Missing |
| M30 | Rejected by Processor |
| M31 | Rejected by Processor |
| M32 | Rejected by Processor |
| M33 | Rejected by Processor |
| M34 | Rejected by Processor |
| M35 | Rejected by Processor |
| M36 | Rejected by Processor |
| M37 | Rejected by Processor |
| M38 | Rejected by Processor |
| M39 | Rejected by Processor |
| M4 | Rejected by Processor |
| M40 | Rejected by Processor |
| M41 | Rejected by Processor |
| M42 | Rejected by Processor |
| M43 | Rejected by Processor |
| M44 | Rejected by Processor |
| M45 | Rejected by Processor |
| M46 | Rejected by Processor |
| M47 | Rejected by Processor |
| M48 | Rejected by Processor |
| M49 | Rejected by Processor |
| M5 | Rejected by Processor |
| M50 | Rejected by Processor |
| M51 | Dollars Daily Max Threshold Exceeded |
| M52 | Dollars Monthly Max Threshold Exceeded |
| M53 | Transactions Daily Max Threshold Exceeded |
| M54 | Transactions Monthly Max Threshold Exceeded |
| M55 | Dollars Daily per Consumer Max Threshold Exceeded |
| M56 | Rejected by Processor |
| M57 | Rejected by Processor |
| M58 | Rejected by Processor |
| M59 | Rejected by Processor |
| M6 | Rejected by Processor |
| M60 | Rejected by Processor |
| M61 | Duplicate Entry |
| M62 | Rejected by Processor |
| M63 | Company is Suspended |
| M64 | Bank Account Blocked (ChargeBack) |
| M65 | Bank Account Blocked (NOC) |
| M66 | Company is Terminated |
| M67 | Credit Reserve Balance Exceeded |
| M68 | Rejected by Processor |
| M69 | OFAC |
| M7 | Rejected by Processor |
| M70 | Rejected by Processor |
| M71 | Rejected by Processor |
| M72 | Rejected by Processor |
| M73 | Rejected by Processor |
| M74 | Rejected by Processor |
| M75 | Merchant Requested Manual Cancel |
| M76 | Rejected by Processor |
| M77 | Rejected by Processor |
| M78 | Rejected by Processor |
| M79 | Rejected by Processor |
| M8 | Rejected by Processor |
| M80 | Rejected by Processor |
| M81 | Selected for Random Telephone Inquiry |
| M82 | Selected for Random Email Inquiry |
| M83 | Rejected by Processor |
| M84 | Rejected by Processor |
| M85 | Rejected by Processor |
| M86 | Rejected by Processor |
| M87 | Rejected by Processor |
| M88 | Rejected by Processor |
| M89 | Rejected by Processor |
| M9 | Name is Missing |
| M90 | MyECheck: address is invalid |
| M91 | MyECheck: RDFI is missing in RoutingNumbers table |
| M92 | Rejected by Processor |
| M93 | Rejected by Processor |
| M94 | Rejected by Processor |
| M95 | Declined on the Web |
| M96 | Consumer Requested Block |
| M97 | RDFI Stopped |
| M98 | Rejected by Processor |
| M99 | Unvalidated |
| NEW | New Account |
| P00 | ACCOUNT NOT LOCATED |
| P01 | ACCOUNT CLOSED |
| P02 | STOP PAYMENT |
| P03 | NO DEBITS |
| P04 | NO CHECKS |
| P05 | NSF |
| P06 | UNCOLLECTED FUNDS |
| P07 | NON DDA ACCOUNT |
| P50 | NON PARTICIPANT |
| P70 | VALIDATED |
| P71 | ATTACHED |
| S01 | Invalid Routing Number |
| S02 | Blocked Routing/Account Number |
| S03 | Failed to Collect Offset Funding From Merchant |
| S04 | SEC Code Not Approved for Use |
| S05 | Payment data is missing or incomplete |
| S06 | Account Block Requested by Merchant |
| S07 | Unauthorized SEC Code |
| S09 | Voided by Processor/ODFI |
| S10 | Invalid Account Number |
| S11 | Previously Returned R02, R03, R04 or R20 |
| V02 | ACCOUNT NOT APPROVED |
| V10 | INVALID ROUTING NUMBER |
| V90 | PREAUTH VENDOR UNAVAILABLE |
| V91 | PREAUTH VENDOR ERROR |