Rerun Knowledge Base

ACH Transaction Errors

If you need further assistance on any of the ACH errors you received, please send us an email at hello@rerunapp.com.

ACH Transaction Errors

• RDFI: Receiving Depository Financial Institution - customer's bank
• ODFI: Originating Depository Financial Institution - merchant's originating bank​

• R01 - Insufficient Funds: Available balance is not sufficient to cover the dollar amount of the debit entry
• R02 - Account Closed: Previously active account has been closed by customer or customer's bank
• R03 - No Account/Unable to Locate Account: Account structure is valid and passes editing process, but does not correspond to individual or is not an open account (this can also be because the account type is wrong)
• R04 - Invalid Account Number: Unauthorized debit to consumer account using corporate SEC Code (CCD, CTX, CBR)
• R05 - Unauthorized Debit Entry: Account number structure not valid: entry may fail check digit validation or may contain an incorrect number of digits
• R06 - Returned Per ODFI's Request: ODFI has requested RDFI to return the ACH entry (optional to RDFI); ODFI indemnifies RDFI
• R07 - Authorization Revoked by Customer: Consumer, who previously authorized ACH payment, has revoked authorization from Originator (must be returned no later than 60 days from settlement date and customer must sign affidavit)
• R08  - Payment Stopped: Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. (RDFI should verify the Receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization)
• R09 - Uncollected Funds: Sufficient book or ledger balance exist to satisfy dollar value of the transaction in process of collection brings available or cash reserve balance below dollar value of the debit entry
• R10 - Customer Advises Not Authorized: Customer has authorized RDFI that Originator of transaction is not authorized to debit account (must be returned no later than 60 days from settlement date of original entry and customer must sign affidavit)
• R11 - Check Safekeeping Entry Return: Used when returning a check safekeeping entry, RDFI should use appropriate field in addenda to specify reason for return (i.e., "exceeds dollar limit," "stale date," etc)
• R12 - Branch Sold To Another DFI: Financial institution receives entry destined for an account at a branch that has been sold to another financial institution
• R13 - RDFI Not Qualified to Participate: Financial institution is not qualified to participate in ACH or the routing number is incorrect
• R14 - Account Holder Deceased: Account-holder is deceased (used in the event of a Representative Payee, Guardian, or trustee)
• R16 - Account Frozen: Funds unavailable due to specific action by the RDFI or by legal action
• R17 - File Record Edit Criteria: Fields not edited by the ACH Operator are edited by the RDFI, field(s) causing processing error must be identified in the addenda record of return
• R20 - Non Transaction Account: ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited)
• R21 - Invalid Company Identification: Number used in the Company ID field in error
• R22 - Invalid Individual ID Number: In CIE entry the individual ID Number is used by the Receiver to identify the account; Receiver has indicated to RDFI that number Originator identified is not correct
• R23 - Credit Refused by Receiver: Receiver refuses credit entry because of one of the following conditions:
  • Minimum amount required by Receiver has not been remitted
  • Exact amount has not been remitted
  • Account subject to litigation and Receiver will not accept transaction
  • Acceptance of transaction results in overpayment
  • Originator is not known by Receiver
  • Receiver has not authorized the credit entry
• R24 - Duplicate Entry: RDFI has received what appears to be a duplicate entry (i.e., trace number, date, dollar amount and/or other data matches another transaction)
• R29 - Corporate Customer Advises Not Authorized: RDFI has been notified by Receiver (non- consumer) that entry was not authorized
• R31 - Permissible Return Entry: RDFI has been notified by ODFI that ODFI agrees to accept a return entry beyond normal return deadline
• R33 - Return of XCK Entry: RDFI, at its discretion, returns an XCK entry (code only used for XCK returns), XCK entries may be returned up to 60 days after settlement date
• Account Not Approved: This error means that this checking/routing number is on Forte's known bad list. They have historical data that states this transaction will not go through. You, as the merchant, have the ability to call and ask Forte to allow the transaction to go through but there is a good chance that it will be returned.

• C01 - Incorrect DFI Account Number: Customer's account number is Incorrect
• C02 - Incorrect Routing Number: Customer's routing number is incorrect
• C03 - Incorrect Routing Number and DFI Account Number: Customer's routing number and DFI account numbers are incorrect
• C04  - Incorrect Individual/Company Name: Customer's name is incorrect
• C05 - Incorrect Transaction Code: Customer's account type (Savings/Checking) is incorrect
• C06 - Incorrect Account Number and Transaction Code: Account number is incorrect and transaction is being routed to the wrong type of account