Exception, Return and NOC Codes

Quick Links: Exception Codes|Return Codes| NOC Codes

Exception Codes

The Exception Code field specifies the exception code assigned in the Portico back-office cycle that explains why the item is rejected. ACH payroll exceptions items only display the last two characters of the exception code. The valid codes are:

  • R01 - Insufficient funds
  • R02 - Account on hold or closed
  • R03 - Unable to locate account
  • E04 - Closed end loan
  • R14 - Representative payee deceased or unable to continue in that capacity
  • R15 - Beneficiary or account holder (other than a representative payee) deceased. Member associated with the exception items has the Deceased check box selected on the Contact Information tab.
  • R38 - Stop payment on source document
  • R75 - ACH share draft stop pay
  • E01 – EFT Item Paid Negative – Member Opted-Out
  • E1B – EFT Insufficient Item – Member Opted-Out
  • E1C - Share type is negative
  • E1D - Share type at zero
  • E1E - Share type went below available shares
  • E1S - Invalid serial number
  • EAF - Amount field is greater than foreign txn amount
  • EAI - Member ADB inquiry not found
  • EAL - Loan draft amount less than minimum advance amount
  • EA2 - Cleared - Uncollected Funds
  • EA5 - Cleared - Overdraft & Uncollected Funds
  • ECP - Cleared - Courtesy Pay
  • ECO - Cleared - Overdraft & Courtesy Pay
  • ECU - Cleared - Courtesy Pay & Uncollected Funds
  • ECA - Cleared - Overdraft/Uncollected Funds/Courtesy Pay
  • ECB - Invalid United States destination
  • ECL - Share account closed
  • ECX - Invalid currency
  • EDC - Invalid destination currency
  • ECS - Terminal city or state is blank
  • EDE - IRA account holder is deceased
  • EDH - HSA account holder is deceased
  • EDT - Cardholder Disputed Transaction
  • EEN - Escrow not found
  • EFG - FICS GL does not exist
  • EFZ - Member account is frozen
  • EGL - No ACH general ledger transaction
  • EHS - Low share is HSA account
  • EIL - Invalid late charge
  • EIN - Interest not covered
  • EIR - Low share IRA account
  • EIT – International ACH transaction
  • ELD - Invalid late charge date
  • ELC - California late charge
  • ELN - No ACH loan payment
  • ELO - Late charge over maximum allowed
  • EMA - IRA account holder age is greater than 70 1/2
  • EMC - IRA account holder age is greater than 18
  • EML - Additional principal delinquent
  • EMM - Member posting ID options matched multiple account numbers
  • ENA - IRA debit transaction not allowed
  • ENC - Escrow not covered
  • ENF - Unable to locate member IRA information
  • ENH - Unable to locate member HSA information
  • EOC - Overflow late charge
  • EOE - Overflow escrow
  • EOF - Overflow FCCBNC
  • EOG - Overflow government interest
  • EOL - Transaction amount takes member over maximum contribution limit
  • EOP - Overflow flat payment
  • EOT - Overflow YTD interest
  • EOY - Overflow YTD late charge
  • EPP - Partial payment
  • ERH - HSA over maximum
  • ERL - Member has reached the maximum contribution limit
  • ERP - Residual payment due
  • ESA – Matches recurring stop all ACH record
  • ESC – Matches recurring stop all credits record
  • ESD - Share draft transaction attempted to post by other than share draft ID
  • ESF – First match for auth revoked stop pay record
  • ESH – ACH item matches share draft stop pay record
  • ESM – Matches a recurring stop indicator 1-8 or verbal stop pay
  • ESO – Matches a one-time ACH stop pay record
  • ESR – Re-presented item matches an ACH stop pay record
  • ESS – BOC or ARC item matches an ACH stop pay record
  • ESW – Matches recurring stop all debits record
  • EZP - Zero loan payment
  • E21 - Missing share account
  • E23 - Invalid amount
  • E25 - Invalid transaction code
  • E26 - Mismatched route and transit
  • E27 - Member is dormant - ACH suspended
  • E34 - Member 445 deduction stopped, PRD suspended
  • E41 - No processing control table, suspended
  • E42 - Effective date greater than 45 days old
  • E43 - Duplicate batch suspended
  • E44 - Error percentage too high
  • E45 - Batch trailer missing
  • E48 - No ACH processing rule
  • E50 - Loan rule record does not exist
  • E51 - Invalid loan note/type
  • E52 - Loan note has hold code
  • E54 - Invalid loan frequency
  • E58 - Invalid interest paid-to-date
  • E5A - Monthly interest loan, loan advance not allowed
  • E5H - Invalid loan due date
  • E5I - Member has a delinquent loan
  • E5J - Loan credit limit exceeded
  • E5K - Invalid interest due option on loan rule
  • E5T - Advance threshold exceeded
  • E61 - Dividend calculation, invalid share dividend method
  • E62 - Dividend calculation, invalid daily dividend date
  • E63 - Invalid effective date
  • E64 - Invalid average daily balance for inquiry calculation to date
  • E65 - Invalid average daily balance fee calculation to date
  • E96 - Invalid share type
  • E98 - Reg D transaction limit exceeded
  • EAR - Addenda record required
  • EDP - Draw period expired
  • EMB - Member branch not found
  • EOA - Overflow account balance
  • EOI - Overflow loan interest
  • EOU - Overflow ADB fee
  • EOV - Overflow ADB inquiry
  • EOX - Overflow dividend
  • ESE - Unsupported SEC code
  • ECI - Improper debit entry
  • IPO - Paid-off loan
  • I1D - Zero-balance loan

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Return Codes

Enter the desired return or paid code in the Return Code field. Portico automatically will use the default values specified on the Credit Union Profile - ACH/Payroll tab to charge the appropriate fee. The valid return codes are:

Paid ACH Items:

  • NEG - Posted - Account Negative
  • UNC - Posted - Uncollected Funds
  • MIS - Posted - Credit union-defined
  • CPY - Posted - Courtesy Pay

Returned ACH Items:

  • R01 - Insufficient funds
  • R02 - Account closed
  • R03 - No acct/unable to locate account
  • R04 - Invalid account number
  • R05 - Unauthorized debit to consumer account using corporate SEC Code
  • R06 - Returned per OFI request
  • R07 - Authorization revoked by customer
  • R08 - Payment Stopped. Do not use if SEC Code is ARC or RCK.
  • R09 - Uncollected funds
  • R10 - Customer advises originator unknown to receiver and/or is not authorized by receiver to debit receivers account
  • R11 - Customer advised entry not in accordance with the terms of the authorization
  • R12 - Account sold to another DFI
  • R14 - Representative payee deceased or unable to continue in that capacity
  • R15 - Beneficiary or account holder (other than a representative payee) deceased
  • R16 – Account Frozen/Returned per OFAC Request
  • R17 – Fields cannot be properly processed by RDFI
  • R20 - Non-transaction account
  • R21 - Invalid company ID
  • R22 - Invalid individual ID (CIE, CTP, CTX)
  • R23 - Credit entry refused by receiver
  • R24 - Duplicate entry
  • R29 - Corporate customer advises not authorized
  • R31 - Permissible return entry. Only valid if SEC code is CCD or CTX.
  • R33 - Return of XCK entry
  • R37 - Source document presented for payment. Only valid if SEC code is ARC, BOC or POP.
  • R38 - Stop payment on source document. Only valid if SEC code is ARC or BOC.
  • R39 - Improper source document. Only valid if SEC Code is ARC or POP.
  • R50 - State law affecting RCK acceptance
  • R51 - Item is ineligible
  • R52 - Stop payment on RCK
  • R53 - Item and ACH entry presented for payment
  • R61 - Misrouted return
  • R67 - Duplicate return
  • R68 - Untimely return
  • R69 - Multiple errors
  • R70 - Permissible return entry not accepted
  • R71 - Misrouted dishonored return (not valid on ACH Exception Items window)
  • R72 - Untimely dishonored return (not valid on ACH Exception Items window)
  • R73 - Timely original return (not valid on ACH Exception Items window)
  • R74 - Corrected return (not valid on ACH Exception Items window)
  • R75 - Original return not a duplicate
  • R76 - No errors found
  • R77 - Non Acceptance of R62 Dishonored Return
  • A1 - Misrouted acknowledgment entry
  • A2 - Incorrect trace number
  • A3 - Incorrect company identification number
  • RFN - Create notice or assess fees on an ACH item not returned through the Federal Reserve

Returns initiated by the ACH operator are:

  • R13 - RDFI not qualified to participate
  • R18 - Improper effective entry date
  • R19 - Amount field error
  • R25 - Addenda error
  • R26 - Mandatory field error
  • R27 - Trace number error
  • R28 - Routing number check digit error
  • R30 - RDFI not participant in check trunc PGM
  • R32 - RDFI non-settlement
  • R34 - Limited participation DFI
  • R35 - Return of improper debit entry
  • R36 - Return of improper credit entry
  • R62 - Incorrect trace number
  • R63 - Incorrect dollar amount
  • R64 - Incorrect individual identification
  • R65 - Incorrect transaction code
  • R66 - Incorrect company identification
  • R85 - Incorrectly Coded/Outbound International Payment

The following return codes are used by Federal Government Agencies when returning ENR entries:

  • R40 - Non-participant in ENR program
  • R41 - Invalid transaction code
  • R42 - Routing number\check digit error
  • R43 - Invalid DFI account number
  • R44 - Invalid individual ID number
  • R45 - Invalid individual name\company name
  • R46 - Invalid representative payee indicator
  • R47 - Duplicate enrollment

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Notification of Change Codes

Enter the desired notification of change code in the NOC Code field. The valid options are:

  • C01 - Incorrect account number
  • C02 - Incorrect route and transit number
  • C03 - Incorrect route and transit number and incorrect account number
  • C05 - Incorrect transaction code
  • C06 - Incorrect account number and transaction code
  • C07 - Incorrect route and transit number, account number and transaction code
  • C08 - Incorrect receiving DFI identification number
  • C09 - Incorrect individual identification number
  • C13 - Addenda format error

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