Here is the list of return codes, along with short descriptions.
R01 - Insufficient Funds R02 - Account Closed R03 - No Account/Unable to Locate Account R04 - Invalid Account Number R06 - Returned per Originating Depository Request R07 - Authorization Revoked by Customer R08 - Payment Stopped R09 - Uncollected Funds R10 - Customer Advises not Authorized R11 - Check Truncation Entry Return R12 - Branch Sold to Another Depository R13 - R.D.F.I. not Qualified to Participate R14 - Representative Payee deceased R15 - Beneficiary or Account Holder deceased R16 - Account Frozen R17 - File Record Edit Criteria R18 - Improper Effective Entry Date R19 - Amount Field Error R20 - Non-transaction Account R21 - Invalid Company Identification R22 - Invalid Individual I.D. Number R23 - Credit Entry Refused by Receiver R24 - Duplicate Entry R25 - Addenda Error R26 - Mandatory Field Error R27 - Trace Number Error R28 - Routing Number Check Digit Error R29 - Corporate Customer Advises not Authorized R30 - RDFI not Participant R31 - Permissible return entry (CCD) R32 - R.D.F.I. Non-Settlement R33 - Return of XCK Entry R34 - Limited Participation D.F.I. R35 - Return of Improper Debit Entry R36 - Return of Improper Credit Entry R37 - Source Document Presented for Payment R38 - Stop Payment on Source Document R39 - Improper Source Document R40 - Non Participant in E.N.R. Program R41 - Invalid Transaction Code (E.N.R. only) R42 - Routing Number/Check Digit Error R43 - Invalid D.F.I. Account Number R44 - Invalid Individual I.D. Number R45 - Invalid Individual Name R46 - Invalid Representative Payee Indicator R47 - Duplicate Enrollment R50 - State Law Prohibits Truncated Checks R51 - Notice not Provided/Signature not Authentic R52 - Stop Pay on Item R53 - Item and A.C.H. Entry Presented for Payment R61 - Misrouted Return R62 - Incorrect Trace Number R63 - Incorrect Dollar Amount R64 - Incorrect Individual Identification R65 - Incorrect Transaction Code R66 - Incorrect Company Identification R67 - Duplicate Return R68 - Untimely Return R69 - Field Errors R70 - Permissible Return Entry Not Accepted R71 - Misrouted Dishonor Return R72 - Untimely Dishonored Return R73 - Timely Original Return R74 - Corrected Return R75 - Original Return not a Duplicate R76 - No Errors Found R80 - Cross-Border Payment Coding Error R81 - Non-Participant in Cross-Border Program R82 - Invalid Foreign RDFI Identification R83 - Foreign Receiving D.F.I. Unable to Settle R84 - Entry Not Processed by O.G.O.
The available balance in the Receiver’s account is not sufficient to cover the debit entry.
705R01Insufficient Funds 123456780000001
The Receiver’s bank account has been permanently closed.
705R02Account Closed 123456780000001
The account number does not correspond to any account at the RDFI.
705R03No Account 123456780000001
The account number structure is invalid according to the RDFI’s validation rules.
705R04Invalid Account Number 123456780000001
The ODFI requested that the RDFI return the entry.
705R06ODFI Requested Return 123456780000001
The Receiver revoked authorization after previously authorizing recurring debits.
705R07Authorization Revoked 123456780000001
The Receiver placed a stop payment order on the ACH debit.
705R08Payment Stopped 123456780000001
Sufficient balance exists, but collected funds are not yet available.
705R09Uncollected Funds 123456780000001
The Receiver claims the debit was unauthorized, improper, or made without valid authorization.
705R10Not Authorized 123456780000001
Used for check truncation entries that are being returned under ACH rules.
705R11Check Truncation Return 123456780000001
The account was transferred because the branch was sold to another financial institution.
705R12Branch Sold 123456780000001
The RDFI is not qualified to process this type of ACH entry.
705R13RDFI Not Qualified 123456780000001
The representative payee managing the account has died.
705R14Representative Payee Deceased 123456780000001
The account holder or benefit recipient is deceased.
705R15Account Holder Deceased 123456780000001
The account has been legally frozen and cannot accept ACH transactions.
705R16Account Frozen 123456780000001
