Return Reason

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