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ACH (Automated Clearing House) return code reference chart

Find out the meaning of ACH return codes in QuickBooks Online Payroll, QuickBooks Desktop Payroll, and Intuit Online 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
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 900, 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 SDIVI_E028 SDIVI_E029 SDIVI_E031 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
R34 Limited participation DFI RDFI participation has been limited by a federal or state supervisor
R35 Return of improper debit entry ACH debit not permitted for use with the CIE standard entry class code (except for reversals)
R36 Return of improper credit entry
R37 Source Document Presented for Payment Check used for an ARC, BOC or POP entry has also been presented for payment
R38 Stop payment on source document Stop payment has been placed on a check used for an ARC entry
R40 Return of ENR entry by federal government agency (ENR only)
R41 Invalid transaction code (ENR only)
R42 Routing number or check digit error (ENR only)
R43 Invalid DFI account number (ENR only)
R44 Invalid individual ID number (ENR only)
R45 Invalid individual name/company name (ENR only)
R46 Invalid representative payee indicator (ENR only)
R47 Duplicate enrollment
R50 State law affecting RCK acceptance
R51 Item is ineligible, notice not provided, signature not genuine
R52 Stop payment on item
R61 Misrouted return Return entry was sent by RDFI to an incorrect ODFI routing/transit number
R62 Incorrect trace number
R63 Incorrect dollar amount
R64 Incorrect individual identification
R65 Incorrect transaction code
R66 Incorrect company identification
R67 Duplicate return ODFI has received more than one return entry for the same original entry
R68 Untimely return Return entry did not meet the return deadline
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 Nonparticipant in cross-border program
R82 Invalid foreign receiving DFI identification

If you get a Notice Of Change, see Notice of Change (NOC) definition and codes

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