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