Also applies to OFAC instructions to return. Returned per ODFI’s Request – The ODFI has requested that the RDFI return the entry Authorization Revoked – Member who previously authorized an entry has revoked authorization with the Originator Payment Stopped - Member had previously requested a stop payment of a single or recurring entry Uncollected Funds – Available balance is sufficient, but collected balance is not sufficient to cover the entry Member advises not authorized, notice not provided, improper source document, amount of entry not accurately obtained from source document, or part of an incomplete transaction Representative Payee Deceased – Representative payee is deceased or unable to continue in that capacity, beneficiary is not deceased Beneficiary or Account Holder Deceased Account Frozen – Access to account is restricted due to specific action taken by the RDFI or by legal action. Return Entr y Codes – Section 4 ( c o nt i nue d f r om ot h e r s i de )
ACH TRANSACTION CODES LIST CODE
Invalid Account Number – The account number fails the check digit validation or may contain an incorrect number of digits Unauthorized Debit to Consumer Account using Corporate SEC Code – A business (corporate) debit entry was transmitted to a member’s consumer account, and the member had not authorized the entryĢ4 HOURS 24 HOURS 24 HOURS 24 HOURS 60 Days – WRITTEN STATEMENT OF UNAUTHORIZED ACH DEBIT Insufficient Funds – Available balance is not sufficient to cover the dollar amount of the debit entry Account Closed – A previously open account is now closed No Account / Unable to Locate – The account number does not correspond to the individual identified in the entry or a valid account.
No t if icat ion of Change (NOC) Code s – Section 3Ĭhange Code C01 C02 C03 C05 C06 C07 Field(s) Needing Correction Account Number Routing/Transit Number Account Number AND Routing / Transit Number Transaction Code Account Number AND Transaction Code Account Number AND Routing / Transit Number AND Transaction Code Transaction Codes Checking Account Credit Checking Account Debit Savings Account Credit Savings Account Debit Financial Institution General Ledger Credit Financial Institution General Ledger Debit Loan Account Credit Return/NOC 21 26 31 36 41 46 51 Normal Forward Entry 22 27 32 37 42 47 52 Prenotification 23 28 33 38 43 48 53 Single debit only Debit only Debit only Single debit only Prearranged Payment and Deposit Entry Represented Check Entry Telephone Authorized Entry Internet Authorized Entry Destroyed Check EntryĬonsumer accounts only Consumer accounts only Consumer accounts only Consumer or business accounts International ACH Transaction Point-of-Purchase Entry Point-of-Sale Entry
Merchant collection of checks that had been returned as NSF or Uncollected Funds Single or recurring entry submitted pursuant to an oral authorization obtained solely via the telephone Entry submitted pursuant to an authorization obtained solely via the Internet or a wireless network Replacement entry for check that is lost or destroyed, or for check image that is unreadable or cannot be processedĬonsumer accounts only Consumer accounts onlyĬonsumer or business accounts Business accounts only Consumer accounts onlyĬredit only Debit or credit Credit only (Non dollar amount entry) Credit only (Non dollar amount entry) Debit or creditĬorporate Trade Exchange Death Notification Entry Standard Entry Class (SEC) Codes - Section 1Īccounts Receivable Check Back Office ConversionĬonverted checks received via the US mail or at a drop box location Converted checks received by merchant at the point-ofpurchase or at manned bill payment locations, and processed during back office operations Transfer of funds between business accounts or to consolidate funds from several accounts of the same business Credit entry initiated by an individual (usually through a bill payment service) used to pay some sort of obligation Payment or collection of obligations between separate businesses Notice initiated by an agency of the Federal government to advise an RDFI of the death of an individual (Includes addenda record with details) Entry submitted by Financial Institution to enroll member in direct deposit of Federal government benefit payment Transaction involving a financial agency’s office that is not located in the territorial jurisdiction of the United States Converted checks received by merchant at the point-ofsale Entry initiated by individual at a merchant location using a merchant-issued card for payment of goods or services Recurring entry for direct deposit of payroll, pension, etc., or for direct payment of recurring bills such as utilities, loans, insurance, etc.
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