CNG Reports - Transactions: Bank ACH Rejection Codes

  • The way to fix each of these issues is the same, the donor must contact their bank and have the bank correct the issue since the bank is the one issuing these errors.

ACH Failure Codes

 

R01 – Insufficient Funds

The available balance was not sufficient to cover the dollar value of the debit entry.

 

R02 – Account Closed

The account is closed.

 

R03 – No Account/Unable to Locate Account

The account number structure is valid and passes the validation process, but does not correspond to an individual or is not an open account.

 

R04 – Invalid Account Number

Account Number was not recognized by the account holder’s bank.

 

R05 – Improper Debit to Consumer Account

The account holder has not authorized the debit, and the transaction was submitted as “Corporate” instead of “Personal”.

 

R07 – Authorization Revoked by Customer

The account holder, who previously authorized the debit, has revoked that authorization.

 

R08 – Payment Stopped

The account holder with a recurring debit transaction has stopped payment to this specific EFT debit.

 

R09 – Uncollected Funds

The available balance was not sufficient to cover the dollar value of the debit entry.

 

R10 – Customer Advises Not Authorized

The account holder has advised that the debit was unauthorized

 

R13 – Invalid Routing Number/Bank Not Qualified to Participate

The routing number is not recognized as a participating bank.

 

R16 – Account Frozen

Funds unavailable due to specific action by the bank or by legal action.

 

R20 – Non Transaction Account

The EFT entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).

 

R24 –Duplicate Entry

The transaction has been flagged as a duplicate.

 

R26 – Mandatory Field Error

Improper information in one of the mandatory fields.

 

R28 – Routing number check digit error

The routing number is invalid.

 

R29 – Corporate Customer Advises Not Authorized

The corporate account holder has advised that the debit was not authorized.

 

R99- Unspecified

The reason for error is unspecified or bank has declined to give a reason.

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