ACH Failure Codes

ACH Failure Codes

  • R01 – Insufficient Funds

    The available balance was not sufficient to cover the dollar value of the debit entry.

  • R02 – Account Closed

    The account is closed.

  • R03 – No Account/Unable to Locate Account

    The account number structure is valid and passes the validation process, but does not correspond to an individual or is not an open account.

  • R04 – Invalid Account Number

    Account Number was not recognized by the account holder’s bank.

  • R05 – Improper Debit to Consumer Account

    The account holder has not authorized the debit, and the transaction was submitted as “Corporate” instead of “Personal”.

  • R07 – Authorization Revoked by Customer

    The account holder, who previously authorized the debit, has revoked that authorization.

  • R08 – Payment Stopped

    The account holder with a recurring debit transaction has stopped payment to this specific EFT debit.

  • R09 – Uncollected Funds

    The available balance was not sufficient to cover the dollar value of the debit entry.

  • R10 – Customer Advises Not Authorized

    The account holder has advised that the debit was unauthorized

  • R13 – Invalid Routing Number/Bank Not Qualified to Participate

    The routing number is not recognized as a participating bank.

  • R16 – Account Frozen

    Funds unavailable due to specific action by the bank or by legal action.

  • R20 – Non Transaction Account

    The EFT entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).

  • R24 – Duplicate Entry

    The transaction has been flagged as a duplicate.

  • R26 – Mandatory Field Error

    Improper information in one of the mandatory fields.

  • R28 – Routing number check digit error

    The routing number is invalid.

  • R29 – Corporate Customer Advises Not Authorized

    The corporate account holder has advised that the debit was not authorized.

  • R99 – Unspecified

    The reason for error is unspecified.

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