R53

What Is ACH Return Code R53?

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 R53, also known as "Item and RCK Entry Presented for Payment," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that an ACH transaction contains a Represented Check Entry (RCK) and that the item to which the RCK entry relates has also been presented for payment.

A Represented Check Entry (RCK) is a specific type of Automated Clearing House (ACH) entry used for the electronic re-presentment of a paper check that has been returned due to insufficient funds or uncollected funds. In other words, it provides a way for a merchant or an entity to electronically re-present a bounced check to the check writer's bank.

The customer’s bank must return a transaction with code R53 within 60 calendar days.

How To Address ACH Return Code R53

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.

If you encounter R53, you should reach out to the RDFI for assistance resolving the return code.

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.