ACH Origination (Beta)

Insufficient Funds

Available balance is not sufficient to cover the dollar value of the debit entry.

Account Closed

Previously active account has been closed by customer or RDFI.

No Account/Unable to Locate Account

Account number structure is valid and passes editing process, but does not correspond to individual or is not an open account.

Invalid Account Number

Account number structure not valid; entry may fail check digit validation or may contain an incorrect number of digits.

Improper Debit to Consumer Account

A CCD, CTX, or CBR debit entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.

Returned per ODFI’s Request

ODFI has requested RDFI to return the ACH entry (optional to RDFI – ODFI indemnifies RDFI).

Authorization Revoked by Customer

Consumer, who previously authorized ACH payment, has revoked authorization from Originator (must be returned no later than 60 days from settlement date and customer must sign affidavit).

Payment Stopped

Receiver of a recurring debit transaction has stopped payment to a specific ACH debit. RDFI should verify the Receiver’s intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization.

Uncollected Funds

Sufficient book or ledger balance exists to satisfy dollar value of the transaction, but the dollar value of transaction is in process of collection (i.e., uncollected checks) or cash reserve balance below dollar value of the debit entry.

Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account

The receiver does not know the Originator’s identity and/or has not authorized the Originator to debit. Alternatively, for ARC, BOC, and POP entries, the signature is not authentic or authorized.

Customer Advises Entry Not in Accordance with the Terms of the Authorization

The Originator and Receiver have a relationship, and an authorization to debit exists, but there is an error or defect in the payment such that the entry does not conform to the terms of the authorization. The Originator may correct the error and submit a new entry within 60 days of the return entry settlement date without the need for reauthorization by the Receiver.

Branch Sold to Another DFI

Financial institution receives entry destined for an account at a branch that has been sold to another financial institution.

RDFI not qualified to participate

Financial institution does not receive commercial ACH entries.

Representative payee deceased or unable to continue in that capacity

The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue in that capacity.

Beneficiary or bank account holder deceased

(Other than representative payee) deceased - (1) the beneficiary entitled to payments is deceased or (2) the bank account holder other than a representative payee is deceased.

Bank account frozen

Funds in bank account are unavailable due to action by RDFI or legal order.

File record edit criteria

Fields rejected by RDFI processing (identified in return addenda).

Improper effective entry date

Entries have been presented prior to the first available processing window for the effective date.

Amount field error

Improper formatting of the amount field.

Non-payment bank account

Entry destined for non-payment bank account defined by reg.

Invalid company ID number

The company ID information not valid (normally CIE entries).

Invalid individual ID number

Individual id used by receiver is incorrect (CIE entries).

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.

Duplicate entry

RDFI has received a duplicate entry.

Addenda error

Improper formatting of the addenda record information.

Mandatory field error

Improper information in one of the mandatory fields.

Trace number error

Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record.

Transit routing number check digit error

Check digit for the transit routing number is incorrect.

Corporate customer advises not authorized

RDFI has been notified by corporate receiver that debit entry of originator is not authorized.

RDFI not participant in check truncation program

Financial institution not participating in automated check safekeeping application.

Permissible return entry (CCD and CTX only)

RDFI has been notified by the ODFI that it agrees to accept a CCD or CTX return entry.

RDFI non-settlement

RDFI is not able to settle the entry

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.

Limited participation RDFI

RDFI participation has been limited by a federal or state supervisor.

Return of improper debit entry

ACH debit not permitted for use with the CIE standard entry class code (except for reversals).

Source Document Presented for Payment (Adjustment Entry)

The source document to which an ARC, BOC, or POP entry relates has been presented for payment. RDFI must obtain a Written Statement and return the entry within 60 days following Settlement Date.

Stop Payment on Source Document (Adjustment Entry)

A stop payment has been placed on the source document to which the ARC or BOC entry relates. RDFI must return no later than 60 days following Settlement Date. No Written Statement is required as the original stop payment form covers the return.

Improper Source Document

The RDFI has determined the source document used for the ARC, BOC, or POP entry to its Receiver’s account is improper.