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ACH Return Codes

R11

ACH return codes identify the reason an ACH payment was returned by the recipient’s bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures.

ACH Return Code
R11
Definition
Check Truncation Entry Return
Account Type
Consumer; Non-Consumer for ARC, BOC, POP, and IAT
Time Frame
60 Calendar Days

What Is ACH Return Code R11?

ACH return codes are used to identify the reason an ACH payment has been returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures.

ACH Return Code R11, also known as “Check Truncation Entry Return,” is a standard code used in Automated Clearing House (ACH) transactions. R11 indicates that a check truncation entry has been returned unpaid—in other words, someone attempted to electronically deposit a check and it was not deposited successfully.

How To Address ACH Return Code R11

Nacha prescribes separate rules for handling each return code since each one represents a unique scenario. ODFIs (Originating Depository Financial Institutions) and RDFIs (Receiving Depository Financial Institutions) are responsible for handling ACH return codes according to these rules.

R11 is triggered when the RDFI encounters a problem—such as insufficient funds, an expired check or transaction, suspected fraud, or invalid account numbers, among other possibilities—and can’t process an electronic check deposit. The RDFI must return the transaction with code R11 within 60 calendar days.

One major difference between R10 and R11 is that with an R11 return, the originator is allowed to correct the underlying error with the deposit and re-submit the transaction without obtaining a new authorization for the transaction. If you encounter R11, the best way to address it is to figure out the underlying error with the transaction by contacting the RDFI, then correcting the error, and submitting the transaction again.

What Is An ACH Return Code?

ACH return codes identify the reason an ACH payment was returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Each code begins with 'R' followed by a two digit number. ACH return codes are standardized and maintained by NACHA, the governing body for the ACH network.

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ACH Return Codes

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R01Insufficient Funds
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R02Account Closed
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R03No Bank Account/Unable to Locate Account
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R04Invalid Account Number
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R05Unauthorized Debit to Consumer Account Using Corporate SEC Code
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R06Returned per ODFI's Request
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R07Customer Revoked Authorization
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R08Payment Stopped
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R09Uncollected Funds
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R10Originator not known and/or not authorized to Debit Receiver’s Account
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R11Check Truncation Entry Return
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R12Branch Sold to Another DFI
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R13Invalid ACH Routing Number
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R14Representative Payee Deceased or Unable to Continue in That Capacity
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R15Beneficiary or Account Holder Deceased
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R16Account Frozen
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R17File Record Edit Criteria
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R18Improper Effective Entry Date
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R19Amount Field Error
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R20Non-Transaction Account
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R21Invalid Company Identification
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R22Invalid Individual ID Number
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R23Credit Entry Refused by Receiver
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R24Duplicate Entry
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R25Addenda Error
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R26Mandatory Field Error
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R27Trace Number Error
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R28Routing Number Check Digit Error
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R29Corporate Customer Advises Not Authorized
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R30Receiving DFI Not Participant in Check Truncation Program
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R31Permissible Return Entry (CCD and CTX only)
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R32RDFI Non-Settlement
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R33Return of XCK Entry
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R34Limited Participation DFI
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R35Improper Debit Entry
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R36Improper Credit Entry
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R37Source Document Presented for Payment
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R38Stop Payment on Source Document
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R39Improper Source Document
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R40Return of ENR Entry
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R41Invalid Transaction Code
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R42Routing Number/Check Digit Error
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R43Invalid DFI Account Number
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R44Invalid Individual ID Number or Identification Number
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R45Invalid Individual Name/Company Name
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R46Invalid Representative Payee Indicator
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R47Duplicate Enrollment
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R50State Law Affecting RCK Acceptance
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R51Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper
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R52Stop Payment on Item Related to RCK Entry
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R53Item and RCK Entry Presented for Payment
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R61Misrouted Return
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R62Return of Erroneous or Reversing Debit
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R67Duplicate Return
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R68Untimely Return
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R69Field Error
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R70Permissible Return Not Accepted / Not Requested by ODFI
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R71Misrouted Dishonored Return
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R72Untimely Dishonored Return
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R73Timely Original Return
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R74Corrected Return
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R75Original Return Not a Duplicate
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R76No Errors Found
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R77Non-Acceptance of R62
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R80IAT Coding Error
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R81Non-Participant in IAT Program
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R82Invalid Foreign Receiving DFI Identification
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R83Foreign Receiving DFI Unable to Settle
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R84Not Processed by Gateway
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R85Incorrectly Coded Outbound International Payment
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