Refer to the table below for more information on ACH bank returns:

CodeTitleDescription
R01Insufficient FundsThe available and/or cash reserve balance is not sufficient to
cover the dollar value of the debit entry.
R02
Account ClosedA previously active account has been closed by action of the
customer or the RDFI
R03No Account/ Unable to Locate AccountThe account number structure is valid and it passes the Check digit validation, but the account number does not correspond to the individual identified in the Entry, or the account number designated is not an existing account.
R04Invalid Account Number StructureThe account number structure is not valid.
R06Returned per ODFI’s RequestThe ODFI has requested that the RDFI return an erroneous entry.
R07Authorization Revoked by Customer
The RDFI’s customer (the Receiver) revoked the authorization previously provided to the originator for this debit entry.
R12Account Sold to Another DFIA financial institution received an Entry to an account that was sold to another financial institution.
R14Representative Payee Deceased or Unable to Continue in that Capacity
The representative payee is either deceased or unable to continue in that capacity. The beneficiary is NOT deceased.
R15Beneficiary or Account Holder (Other Than a Representative Payee) Deceased
(1) The beneficiary is deceased, or (2) The account holder is deceased.
R16Account Frozen/Entry Returned per OFAC Instruction
(1) Access to the account is restricted due to specific action taken by the RDFI or by legal action; or (2) OFAC has instructed the RDFI or Gateway to return the Entry.
R20Non‐Transaction Account ACH Entry to a Non‐Transaction Account
R23Credit Entry Refused by Receiver
Any credit Entry that is refused by the Receiver may be returned by the RDFI.
R29Account Does Not Accept Debit Transactions (Corporate Customer Advises Not Authorized)
The RDFI has been notified by the Receiver (non‐consumer) that a specific entry has not been authorized by the receiver.

Refer to the table below for more information on ACH notification of changes:

CodeDescriptionCorrected Data
C01Incorrect DFI Account Number
Correct DFI Account Number appears in first 17 positions of the Corrected Data Field.
C02Incorrect Routing Number
Correct Routing Number (including Check Digit) appears in first nine positions of the Corrected Data Field.
C03Incorrect Routing Number and Incorrect DFI Account Number
Correct Routing Number (including Check Digit) appears in first nine positions of the Corrected Data Field – Correct DFI Account Number appears in the 13th through 29th position of the same field with a space in the 10th, 11th, and 12th positions.