R34

What Is ACH Return Code R34?

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 R34, also known as "Limited Participation DFI," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that the Receiving Depository Financial Institution (DFI) has been limited in their participation in the ACH network by a state or federal supervisor and the RDFI cannot accept the particular type of ACH entry.

How To Address ACH Return Code R34

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.

The RDFI must return the transaction with code R34 within the next file delivery time following processing. If you encounter R34 you will need to reach out to the RDFI directly, because the return code itself won’t specify the limitations on the RDFI. You may or may not be able to resubmit the transaction through the same RDFI or you may need an alternate payment method from your customer.

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.