PSG Reports - Transactions: Bank ACH Rejection Codes/Reasons

How to resolve Bank ACH Rejection Codes

The way to fix each of these issues is the same; the donor must work with their bank to resolve these issues as the errors are generated by the donor's bank.

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

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