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.
R39 - Not charged yet
R99 - Unspecified
The reason for the error is unspecified or bank has declined to give a reason.