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ACH (Automated Clearing House) return code reference chart

Find out the meaning of ACH return codes in QuickBooks Payroll, QuickBooks Desktop Payroll.

An ACH payment can be returned for a lot of reasons. And when that happens, we receive a return code. Here we'll walk you through various meanings and reasons for ACH return codes.

A few things to remember:
  • If you received an email from Intuit regarding an unsuccessful direct deposit or payroll debit with a return code, refer to the list of return codes below to identify the reason and possible course of action.
  • Work with your financial institution first to ensure your bank will accept payroll debits from Intuit and that there are no other issues with your bank account.
  • After working with the bank, contact Payroll Support for any additional questions regarding the rejection.


ACH - Automated Clearing House Network

Addenda Record - An ACH record type that carries supplemental data needed to completely identify an account holder(s) or provide information concerning a payment to the RDFI or receiver.

ODFI - Originating Depository Financial Institutions

Originator - An organization or company that produces an ACH file and delivers it to an ODFI for introduction into the ACH Network.

RDFI - Receiving Depository Financial Institutions

ACH return code reference chart:

US ACH Code Canada ACH Code Reason Description
900 Edit reject Each Debit or Credit Transaction being returned is returned by the customer's Financial Institution.
R01 901 Insufficient funds Available balances is not sufficient to cover the dollar amount of the debit entry.
R02 905 Account closed A previously open account is now closed.
R03 902 No account or unable to locate account The account number does not correspond to the individual identified in the entry or a valid account.
R04 912
Invalid account number The account number fails the check digit validation or may contain an incorrect number of digits.
R05 Unauthorized debit to consumer account A business debit entry was transmitted to a members consumer account, and the member had not authorized the entry
R06 Returned per ODFI's request The ODFI has requested that the RDFI return the entry.
R07 Authorization revoked by customer Member who previously authorized an entry has revoked authorization with the originator.
R08 903 Payment stopped or stop payment on item Member had previously requested a stop payment of a single or recurring entry.
R09 908 Uncollected funds Available balance is sufficient, but the collected balance is not sufficient to cover the entry.
R10 922 Customer advises not authorized Member advises not authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document.
R11 Check truncation entry return To be used when returning a check truncation entry.
R12 Branch sold to another DFI RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution.
R13 SDIVI_E026 Invalid ACH routing number Financial institution does not receive commercial ACH entries.
R14 Representment payee deceased or unable to continue in that capacity Representative payee is deceased or unable to continue in that capacity, beneficiary is not deceased.
R15 910 Beneficiary of account holder deceased Beneficiary or Account Holder Deceased.
R16 911 Account frozen Access to account is restricted due to a specific action taken by the RDFI or by legal action.
R17 File record edit criteria Fields rejected by RDFI processing (identified in return addenda).
R18 Improper effective entry Entries have been presented prior to the first available processing window for the effective date.
R19 Amount field error Improper formatting of the amount field.
R20 907 Non-transaction account Policies or regulations (such as Regulation D) prohibit or limit activity to the account indicated.
R21 Invalid company identification The company ID information not valid (normally CIE entries).
R22 Invalid individual ID number Individual id used by receiver is incorrect (CIE entries).
R23 Credit entry refused by receiver Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account.
R24 Duplicate entry RDFI has received a duplicate entry.
R25 Addenda error Improper formatting of the addenda record information.
R26 Mandatory field error Improper information in one of the mandatory fields.
R27 Trace number error Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record.
R28 Routing number or check digit Check digit for transit routing number is incorrect.
R29 907 Corporate customer advises not authorized RDFI has been notified by business account holder that a specific transaction is unauthorized.
R30 RDFI not participant in check truncation program Financial institution not participating in automated check safekeeping application.
R31 Permissible return entry RDFI has been notified by business account holder that a specific transaction is unauthorized.
R32 RDFI nonsettlement RDFI is not able to settle the entry.
R33 Return of XCK entry RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date if the XCK entry.

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