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