API – NACHA Return Codes

Below is a list of all NACHA return codes the API recognizes:

  • nacha.returnCode.r01 – Insufficient funds
  • nacha.returnCode.r02 –  Bank account closed
  • nacha.returnCode.r03 – No bank account/unable to locate account
  • nacha.returnCode.r04 – Invalid bank account number
  • nacha.returnCode.r05 – Improper Debit to Consumer Account
  • nacha.returnCode.r06 – Returned per Originating Depository Financial Institution (ODFI) request
  • nacha.returnCode.r07 – Authorization revoked by customer
  • nacha.returnCode.r08 – Payment stopped
  • nacha.returnCode.r09 – Uncollected funds
  • nacha.returnCode.r10 – Customer advises not authorized
  • nacha.returnCode.r11 – Check truncation entry return
  • nacha.returnCode.r12 – Branch sold to another RDFI
  • nacha.returnCode.r13 – RDFI not qualified to participate
  • nacha.returnCode.r14 – Representative payee deceased or unable to continue in that capacity
  • nacha.returnCode.r15 – Beneficiary or bank account holder
  • nacha.returnCode.r16 – Bank account frozen
  • nacha.returnCode.r17 – File record edit criteria
  • nacha.returnCode.r18 – Improper effective entry date
  • nacha.returnCode.r19 – Amount field error
  • nacha.returnCode.r20 – Non-payment bank account
  • nacha.returnCode.r21 – Invalid company ID number
  • nacha.returnCode.r22 – Invalid individual ID number
  • nacha.returnCode.r23 – Credit entry refused by receiver
  • nacha.returnCode.r24 – Duplicate entry
  • nacha.returnCode.r25 – Addenda error
  • nacha.returnCode.r26 – Mandatory field error
  • nacha.returnCode.r27 – Trace number error
  • nacha.returnCode.r28 – Transit routing number check digit error
  • nacha.returnCode.r29 – Corporate customer advises not authorized
  • nacha.returnCode.r30 – RDFI not participant in check truncation program
  • nacha.returnCode.r31 – Permissible return entry (CCD and CTX only)
  • nacha.returnCode.r32 – RDFI non-settlement
  • nacha.returnCode.r33 – Return of XCK entry
  • nacha.returnCode.r34 – Limited participation RDFI
  • nacha.returnCode.r35 – Return of improper debit entry None


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