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:
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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 |