R76

What Is ACH Return Code R76?

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 R76, also known as “No Errors Found," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that the RDFI is contesting a dishonored return entry from the ODFI.

In this specific case, the ODFI originally dishonored the return because of an error in one of these fields:

• DFI number
• Original entry trace number
• Dollar amount
• Individual identification number/identification number
• Transaction code
• Company identification number
• Effective entry date.

When you receive R76, that means the RDFI is contesting the ODFI’s dishonoring of the return, because the RDFI has not identified any errors in the transaction. The contested return must be transmitted within 2 banking days.

How To Address ACH Return Code R76

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 R76, the best course of action is to wait for the RDFI to handle the return. However, if you continue to encounter an R76 or significant time has passed with no update from the RDFI, you should reach out to them directly to see what can be done to resolve this 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.