Default Return Reason
| ID | Return Reason | Product |
|---|---|---|
| 1 | Signature(s) Missing | Check |
| 2 | Non-Cash Item (Non-Negotiable) | Check |
| 3 | Unable to Process | Check |
| 4 | Not Authorized | Check |
| 5 | Refer to Maker | Check |
| 6 | Unusable Image | Check |
| 7 | Refer to Image | Check |
| 8 | Forgery | Check |
| 9 | RCC Warranty Breach (Rule 8) | Check |
| 10 | Retired Routing Number | Check |
| 11 | Uncollected Funds Hold | Check |
| 12 | Closed Account | Check |
| 13 | Frozen/Blocked Account | Check |
| 14 | Post Dated | Check |
| 15 | Endorsement Irregular | Check |
| 16 | Signature Irregular, Suspected Forgery | Check |
| 17 | Altered/Fictitious | Check |
| 18 | Exceeds Dollar Amount | Check |
| 19 | Branch Account Sold | Check |
| 20 | Do Not Re-Present | Check |
| 21 | Cannot Determine Amount | Check |
| 22 | Duplicate Presentment | Check |
| 23 | Warranty Breach (Rule 8 and 9 Claims) | Check |
| 24 | Forged & Count Breach (Rule 9) | Check |
| 25 | Not Sufficient Funds | Check |
| 26 | Stop Payment | Check |
| 27 | Unable to Locate Account | Check |
| 28 | Stale Dated | Check |
| 29 | Endorsement Missing | Check |
| 30 | Other | Check |
| 51 | Insufficient Funds | ACH |
| 52 | Account Closed | ACH |
| 53 | Unauthorized Debit Entry | ACH |
| 54 | Authorization Revoked | ACH |
| 55 | Payment Stopped | ACH |
| 56 | Unauthorized Originator | ACH |
| 57 | Incorrect Amount | ACH |
| 58 | Debited Earlier than Authorized | ACH |
| 59 | Invalid Company ID | ACH |
| 60 | Invalid Individual ID | ACH |
| 61 | Refused | ACH |
| 62 | Duplicate Entry | ACH |
| 63 | Other | ACH |
