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Understanding return codes for unsuccessful payroll debits or direct deposits

SOLVED•by QuickBooks•2•Updated February 08, 2024

Find out the meaning of Automated Clearing House (ACH) return codes in QuickBooks Online Payroll and QuickBooks Desktop Payroll.

An ACH deposit or debit request can be returned for various reasons. When that happens, we receive a return code. Here, we'll walk you through the 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.

Note: Return codes and their descriptions are generated and sent to Intuit by financial institutions to explain the reason for the failure. At Intuit, we don't generate them ourselves.

Work with your financial institution first to ensure your bank will accept payroll debits and deposits from Intuit and that there are no other issues needing to be addressed with your bank account.
After working with the bank and resolving the reason for the error code, contact Payroll Support for any additional questions regarding the rejection.

Glossary

ACH - Automated Clearing House Network

RDFI - Receiving Depository Financial Institutions

ACH return code reference chart

Canada ACH Code	Reason	Description
900	Edit reject	Each debit or credit transaction being returned is returned by the customer's financial institution. No further information is provided to Intuit
901	Insufficient funds	Available balance is not sufficient to cover the dollar amount of the debit entry
902	No account or unable to locate account	The account number does not correspond to the individual identified in the entry or does not correspond to a a valid account
903	Payment stopped or stop payment on item	Customer had previously requested a stop payment of a single or recurring entry
905	Account closed	A previously open account is now closed
907	Non-transaction account	Policies or regulations (such as Regulation D) prohibit or limit activity to the account indicated
907	Corporate customer advises not authorized	Receiving financial institution has been notified by business account holder that a specific transaction is unauthorized
908	Uncollected funds	Available balance is sufficient, but the collected balance isn't sufficient to cover the entry
910	Beneficiary or account holder deceased	Beneficiary or account holder deceased
911	Account frozen	Access to account is restricted due to a specific action taken by the receiving financial institution or by legal action
912 SDIVI_E028 SDIVI_E029 SDIVI_E031	Invalid account number	The account number fails the check-digit validation or may contain an incorrect combination or number of digits
922	Customer advises not authorized	Customer has advised the financial institution the transaction isn't authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document
SDIVI_E026	Invalid ACH routing number	Financial institution does not receive commercial ACH entries

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