# ACH Testing

### Returned check codes <a href="#ach-return-codes" id="ach-return-codes"></a>

Number checks for status change on all *OPEN* ACH transactions daily. Once we detect a status change, we send a report to the merchant. The report shows settled and/or returned checks.&#x20;

Returned checks will show the below mentioned codes. Below table shows how to generate the return codes using the specified routing and account number in the testing environment.

<table><thead><tr><th width="90">Code</th><th width="208">Code description</th><th width="149">Routing</th><th>Account number</th></tr></thead><tbody><tr><td>R01</td><td>Insufficient funds</td><td>021000021</td><td>1234 5678 9012 3451</td></tr><tr><td>R09</td><td>Insufficient collected funds in account</td><td>021000021</td><td>1234 5678 9012 3452</td></tr><tr><td>R09</td><td>Insufficient collected funds in account</td><td>021000021</td><td>1234 5678 9012 3453</td></tr><tr><td>R02</td><td>Receiver's account is closed</td><td>021000021</td><td>1234 5678 9012 3454</td></tr><tr><td>R03</td><td>No account on file</td><td>021000021</td><td>1234 5678 9012 3455</td></tr><tr><td>R05</td><td>Unauthorized CCD</td><td>021000021</td><td>1234 5678 9012 3456</td></tr><tr><td>R07</td><td>ACH authorization has been revoked</td><td>021000021</td><td>1234 5678 9012 3457</td></tr><tr><td>L04</td><td>Refer to Maker ICL</td><td>021000021</td><td>1234 5678 9012 3458</td></tr><tr><td>L09</td><td>Unauthorized ICL</td><td>021000021</td><td>1234 5678 9012 3459</td></tr><tr><td>R01</td><td>Insufficient Funds</td><td>122000661</td><td>1234 5678 9012 3450</td></tr><tr><td>R09</td><td>Insufficient collected funds in account</td><td>122000661</td><td>1234 5678 9012 3451</td></tr><tr><td>R02</td><td>Receiver's account is closed</td><td>122000661</td><td>1234 5678 9012 3452</td></tr><tr><td>R05</td><td>Unauthorized CCD</td><td>122000661</td><td>1234 5678 9012 3453</td></tr><tr><td>L04</td><td>Refer to Maker ICL</td><td>122000661</td><td>1234 5678 9012 3454</td></tr><tr><td>L09</td><td>Unauthorized ICL</td><td>122000661</td><td>1234 5678 9012 3455</td></tr><tr><td>C01</td><td>Account number</td><td>122000661</td><td>1234 5678 9012 3456</td></tr><tr><td>R08</td><td>Payment on this item has been stopped</td><td>122000661</td><td>1234 5678 9012 3457</td></tr><tr><td>R01</td><td>Insufficient Funds</td><td>122000661</td><td>1234 5678 9012 3458</td></tr><tr><td>C03</td><td>Transit/Routing Number &#x26; Account Number</td><td>122000661</td><td>1234 5678 9012 3459</td></tr><tr><td>R01</td><td>Insufficient Funds</td><td>011100106</td><td>1234 5678 9012 3450</td></tr><tr><td>R09</td><td>Insufficient collected funds in account</td><td>011100106</td><td>1234 5678 9012 3451</td></tr><tr><td>R02</td><td>Receiver's account is closed</td><td>011100106</td><td>1234 5678 9012 3452</td></tr><tr><td>R05</td><td>Unauthorized CCD</td><td>011100106</td><td>1234 5678 9012 3453</td></tr><tr><td>L04</td><td>Refer to Maker ICL</td><td>011100106</td><td>1234 5678 9012 3454</td></tr><tr><td>L09</td><td>Unauthorized ICL</td><td>011100106</td><td>1234 5678 9012 3455</td></tr><tr><td>C01</td><td>Account number</td><td>011100106</td><td>1234 5678 9012 3456</td></tr><tr><td>R08</td><td>Payment on this item has been stopped</td><td>011100106</td><td>1234 5678 9012 3457</td></tr><tr><td>R01</td><td>Insufficient Funds</td><td>011100106</td><td>1234 5678 9012 3458</td></tr><tr><td>C03</td><td>Transit/Routing Number &#x26; Account Number</td><td>011100106</td><td>1234 5678 9012 3459</td></tr></tbody></table>

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### Complete list of return codes

Below you'll find a reference list to every possible return code value.

<table><thead><tr><th width="523">Return Description</th><th width="226">Return Code</th></tr></thead><tbody><tr><td>Incorrect bank account number</td><td>C01</td></tr><tr><td>Incorrect transit/routing number</td><td>C02</td></tr><tr><td>Incorrect transit/routing number and bank account number</td><td>C03</td></tr><tr><td>Bank account name change</td><td>C04</td></tr><tr><td>Incorrect payment code</td><td>C05</td></tr><tr><td>Incorrect bank account number and transit code</td><td>C06</td></tr><tr><td>Incorrect transit/routing number, bank account number and payment code</td><td>C07</td></tr><tr><td>Incorrect individual ID number</td><td>C09</td></tr><tr><td>Incorrect company name</td><td>C10</td></tr><tr><td>Incorrect company identification</td><td>C11</td></tr><tr><td>Incorrect company name and company ID</td><td>C12</td></tr><tr><td>Fraudulent ICL</td><td>L06</td></tr><tr><td>ICL Hold</td><td>L07</td></tr><tr><td>ICL Other</td><td>L08</td></tr><tr><td>Unauthorized ICL</td><td>L09</td></tr><tr><td>Non-Negotiable Item</td><td>L88</td></tr><tr><td>Other</td><td>L99</td></tr><tr><td>Insufficient funds</td><td>R01</td></tr><tr><td>Receiver's account is closed</td><td>R02</td></tr><tr><td>No account on file</td><td>R03</td></tr><tr><td>Invalid account number</td><td>R04</td></tr><tr><td>Unauthorized CCD</td><td>R05</td></tr><tr><td>Returned at bank's request</td><td>R06</td></tr><tr><td>ACH authorization has been revoked</td><td>R07</td></tr><tr><td>Payment on this item has been stopped</td><td>R08</td></tr><tr><td>Insufficient collected funds in account</td><td>R09</td></tr><tr><td>Customer advises not authorized</td><td>R10</td></tr><tr><td>Check truncation return (specify)</td><td>R11</td></tr><tr><td>Branch sold to another financial institution</td><td>R12</td></tr><tr><td>RDFI is not an ACH member(If this was a check by p</td><td>R13</td></tr><tr><td>Representative payee deceased or no longer able to</td><td>R14</td></tr><tr><td>Beneficiary or account holder other than represent</td><td>R15</td></tr><tr><td>Account funds have been frozen</td><td>R16</td></tr><tr><td>Item returned because of invalid data</td><td>R17</td></tr><tr><td>Improper effective date</td><td>R18</td></tr><tr><td>Amount field error</td><td>R19</td></tr><tr><td>Non-transaction account</td><td>R20</td></tr><tr><td>Invalid company identification</td><td>R21</td></tr><tr><td>Invalid individual ID number</td><td>R22</td></tr><tr><td>Payment refused by biller</td><td>R23</td></tr><tr><td>Duplicate entry</td><td>R24</td></tr><tr><td>Addenda record error</td><td>R25</td></tr><tr><td>Mandatory field error</td><td>R26</td></tr><tr><td>Trace number error</td><td>R27</td></tr><tr><td>Routing/transit number check digit error</td><td>R28</td></tr><tr><td>Corporate customer advises not authorized</td><td>R29</td></tr><tr><td>Receiver not participant in check truncation program</td><td>R30</td></tr><tr><td>Permissible return entry</td><td>R31</td></tr><tr><td>RDFI non-settlement</td><td>R32</td></tr><tr><td>Return of item</td><td>R33</td></tr><tr><td>Limited participation ODFI</td><td>R34</td></tr><tr><td>Return of improper debit entry</td><td>R35</td></tr><tr><td>Return of improper credit entry</td><td>R36</td></tr><tr><td>Source Presented for Payment</td><td>R37</td></tr><tr><td>Stop payment on source document</td><td>R38</td></tr><tr><td>Improper Source Document</td><td>R39</td></tr><tr><td>Return of item by government agency</td><td>R40</td></tr><tr><td>Invalid tansaction code</td><td>R41</td></tr><tr><td>Routing/transit number check digit error</td><td>R42</td></tr><tr><td>Invalid account number</td><td>R43</td></tr><tr><td>Invalid individual ID</td><td>R44</td></tr><tr><td>Invalid individual name or company name</td><td>R45</td></tr><tr><td>Invalid representative payee indicator code</td><td>R46</td></tr><tr><td>Duplicate enrollment</td><td>R47</td></tr><tr><td>Reserved</td><td>R49</td></tr><tr><td>State law affecting RCK acceptance</td><td>R50</td></tr><tr><td>Item is ineligible</td><td>R51</td></tr><tr><td>Stop payment on item</td><td>R52</td></tr><tr><td>Item and A.C.H. Entry Presented for Payment</td><td>R53</td></tr><tr><td>Misrouted return</td><td>R61</td></tr><tr><td>Incorrect trace number</td><td>R62</td></tr><tr><td>Incorrect dollar amount</td><td>R63</td></tr><tr><td>Incorrect individual identification</td><td>R64</td></tr><tr><td>Incorrect tranaction code</td><td>R65</td></tr><tr><td>Incorrect company identification</td><td>R66</td></tr><tr><td>Duplicate return</td><td>R67</td></tr><tr><td>Untimely return</td><td>R68</td></tr><tr><td>Multiple error return - return contains multiple errors</td><td>R69</td></tr><tr><td>Permissible return entry not accepted</td><td>R70</td></tr><tr><td>Misrouted dishonored return</td><td>R71</td></tr><tr><td>Untimely return</td><td>R72</td></tr><tr><td>Timely original return</td><td>R73</td></tr><tr><td>Corrected return</td><td>R74</td></tr><tr><td>Cross-border payment coding error</td><td>R80</td></tr><tr><td>Non-participant in cross-border program</td><td>R81</td></tr><tr><td>Invalid foreign receiving depository financial institution</td><td>R82</td></tr><tr><td>Foreign receiving depository financial institution</td><td>R83</td></tr><tr><td>Indicates a returned PAC (pre-authorized check)</td><td>R98</td></tr><tr><td>Indicates a returned PAC (pre-authorized check)</td><td>R99</td></tr><tr><td>Other</td><td>RCC</td></tr></tbody></table>

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