Return Reason
| Code | Description |
|---|---|
| 01 | Not On-Us Items |
| 02 | Refer to Maker |
| 03 | Insufficient Funds |
| 04 | Payment Stopped |
| 05 | Uncollected Funds |
| 06 | Endorsement Missing |
| 07 | Signature Irregular |
| 08 | Signature Missing |
| 09 | Two Signatures Required |
| 10 | Check Altered |
| 11 | Check Mutilated |
| 12 | Dormant Account |
| 13 | Deceased |
| 14 | Account Closed |
| 15 | Counterfeit |
| 16 | Forged Maker Signature |
| 17 | Forged Endorsement |
| 18 | Post No Debits |
| 19 | Funds Held |
| 20 | Signature |
| 21 | Endorsement |
| 25 | Other |
| 26 | Unable to Locate |
| 27 | Trace Number Error |
| 28 | Routing Number Check Digit Error |
| 29 | Corporate Customer Advises Not Authorized |
| 30 | Unreadable Image |
| 31 | Not Authorized |
| 32 | Image Fails Security Check |
| 33 | Duplicate Presentment |
| 34 | Limited Participation DFI |
| 35 | Return of Improper Debit Entry |
| 36 | Return of Improper Credit Entry |
| 37 | Source Document Presented for Payment |
| 38 | Stop Payment on Source Document |
| 39 | Improper Source Document |
| 40 | Return of ENR Entry by Federal Government Agency (ENR Only) |
| 41 | Invalid Transaction Code (ENR Only) |
| 42 | Routing Number/Check Digit Error (ENR Only) |
| 43 | Invalid DFI Account Number (ENR Only) |
| 44 | Invalid Individual ID Number (ENR Only) |
| 45 | Invalid Individual Name/Company Name (ENR Only) |
| 46 | Invalid Representative Payee Indicator (ENR Only) |
| 47 | Duplicate Enrollment (ENR Only) |
| 48 | Invalid Company ID |
| 49 | Invalid Individual ID Number |
| 50 | State Law Affecting RCK Acceptance |
| 51 | Item is Ineligible, Notice not Provided, Signature Not Genuine, Item Altered |
| 52 | Stop Payment on Item |
| 53 | Item & ACH Entry Presented for Payment |
| 54 | Credit Entry Refused by Receiver |
| 56 | Addenda Error |
| 57 | RDFI Not Participant in Check Truncation Program |
| 58 | Permissible Return Entry (CCD and CTX Only) |
| 59 | RDFI Non-settlement |
| 60 | Return of XCK Entry |
| 61 | Misrouted Return |
| 65 | Mandatory Field Error |
| 67 | Duplicate Return |
| 68 | Untimely Return |
| 69 | Field Error(s) |
| 70 | Permissible Return Entry Not Accepted/Return not Requested by ODFI |
| 71 | Misrouted Dishonored Return |
| 72 | Untimely Dishonored Return |
| 73 | Timely Original Return |
| 74 | Corrected Return |
| 75 | Original Return not a Duplicate |
| 76 | No Errors Found |
| 79 | Invalid ACH Routing Number |
| 80 | Cross-Border Payment Coding Error |
| 81 | Non-participant in Cross-Border Program |
| 82 | Invalid Foreign Receiving DFI ID |
| 83 | Foreign Receiving DFI Unable to Settle |
| 84 | Entry not Processed by OGO |
| 85 | ACH Invalid Account Number |
| 86 | Unauthorized Debit to Consumer Account |
| 87 | Returned per ODFI’s Request |
| 88 | Authorization Revoked by Customer |
| 89 | Representative Payee Deceased or Unable to Continue in the Capacity |
| 90 | Check Truncation Entry Return (Specify) |
| 91 | Account Sold to Another DFI |
| 92 | Multiple Returns Exist |
| 93 | Multiple Returns with at least one “Closed” reason |
| 94 | File Record Edit Criteria (Specify) |
| 95 | Improper Effective Entry Date |
| 96 | Amount Field Error |
| 97 | Non-transaction Account |
| 98 | Unmatched |
