R11
Customer advises not within Authorization Terms
Consumer; Non-Consumer for ARC, BOC, POP, and IAT
60 Calendar Days
R12
Account Sold to Another DFI
Consumer or Non-Consumer
2 Banking Days
R13
Invalid ACH Routing No.
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R14
Representative Payee Deceased
Consumer or Non-Consumer
2 Banking Days
R15
Beneficiary / Account Holder Deceased
Consumer
2 Banking Days
R16
Account Frozen / Returned per OFAC
Consumer or Non-Consumer
2 Banking Days
R17
File Record Edit Criteria / Suspicious Entry with Invalid Account No. / Return of Improperly-Initiated Reversal
Consumer or Non-Consumer
2 Banking Days
R18
Improper Effective Date
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R19
Amount Field Error
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R20
Non-Transaction Account
Consumer or Non-Consumer
2 Banking Days
R21
Invalid Company ID
Non-Consumer
2 Banking Days
R22
Invalid Individual ID
Consumer or Non-Consumer
2 Banking Days
R23
Receiver Refused Credit
Consumer or Non-Consumer
RDFI must transmit Return upon receipt of Refusal
R24
Duplicate Entry
Consumer or Non-Consumer
2 Banking Days
R25
Addenda Error
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R26
Mandatory Field Error
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R27
Trace Number Error
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R28
Routing No. Check Digit Error
Consumer or Non-Consumer
Next File Delivery Time Following ProcessingNext File Delivery Time Following Processing
R29
Not Authorized by Corporate Customer
Non-Consumer
2 Banking Days
R30
RDFI not in Check Truncation Program
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R31
Permissible Return (CCD and CTX only)
Non-Consumer
Undefined
R32
RDFI Non-Settlement
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R33
Return of XCK
Consumer or Non-Consumer
60 Calendar Days
R34
Limited Participation DFI
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R35
Improper Debit
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R36
Improper Credit
Consumer or Non-Consumer
Next File Delivery Time Following Processing
R37
Source Document Presented
Consumer or Non-Consumer
60 Calendar Days
R38
Stop Payment on Source Document
Consumer or Non-Consumer
60 Calendar Days
R39
Improper Source Document
Consumer or Non-Consumer
2 Banking Days
R40
Return of ENR
R41
Invalid Transaction Code
N/A
N/A
R42
Routing No. / Check Digit Error
N/A
N/A
R43
Invalid DFI Account No.
N/A
N/A
R44
Invalid Individual ID No.
N/A
N/A
R45
Invalid Individual / Company Name
N/A
N/A
R46
Invalid Representative Payee Indicator
N/A
N/A
R47
Duplicate Enrollment
N/A
N/A
R50
State Law Affecting RCK Acceptance
N/A
N/A
R51
Ineligible / Improper Item Related to RCK
R52
Stop Payment on Item Related to RCK
Consumer
60 Banking Days
R53
Item and RCK Presented for Payment
Consumer
60 Calendar Days
R61
Misrouted Return
Consumer
60 Calendar Days
R62
Erroneous / Reversing Debit
Consumer
5 business days of return entry
R67
Duplicate Return
R68
Untimely Return
Consumer or Non-Consumer
ODFI must transmit Return within 5 Bnkg. Days
R69
Field Error
Consumer or Non-Consumer
ODFI must transmit Return within 5 Bnkg. Days
R70
Permissible Return Not Accepted / Not Requested by ODFI
Consumer or Non-Consumer
ODFI must transmit Return within 5 Bnkg. Days
R71
Misrouted Dishonored Return
Consumer or Non-Consumer
ODFI must transmit Return within 5 Bnkg. Days
R72
Untimely Dishonored Return
Consumer or Non-Consumer
ODFI must transmit Return within 5 Bnkg. Days
R73
Timely Original Return
Consumer or Non-Consumer
ODFI must transmit Return within 5 Bnkg. Days
R74
Corrected Return
R75
Return Not Duplicate
Consumer or Non-Consumer
ODFI must transmit Return within 5 Bnkg. Days
R76
No Errors Found
Consumer or Non-Consumer
Contested Return must be transmitted within 2 Bnkg. Days
R77
Non-Acceptance of R62
Consumer or Non-Consumer
Contested Return must be transmitted within 2 Bnkg. Days
R80
IAT Coding Error
Consumer or Non-Consumer
Contested Return must be transmitted within 2 Bnkg. Days
R81
Non-Participant in IAT Program
Consumer or Non-Consumer
Contested Return must be transmitted within 2 Bnkg. Days
R82
Invalid Foreign RDFI Identification
Consumer or Non-Consumer
Contested Return must be transmitted within 2 Bnkg. Days
R83
Foreign RDFI Unable to Settle
Consumer or Non-Consumer
Contested Return must be transmitted within 2 Bnkg. Days
R84
Not Processed by Gateway
R85
Incorrectly Coded Outbound Int’l Payment
Consumer or Non-Consumer
2 Banking Days
