Most Common ACH Return Codes

NACHA Definition:

The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.

What it Means:

There were insufficient funds in your customer’s account to complete the transaction. You will see this type of ACH Return displayed in ReceivablesPro with a status of “Returned NSF” and a Reason Description of “Non Sufficient Funds” or “NSF.”

What to Do:

You can try the transaction again (you will need to re-enter it as a new transaction) up to two times within 30 days of the original authorization date.

You can also configure your ACH processing account to automatically re-submit transactions returned for insufficient funds. (This setting is attached to your ACH Processing Account, and is not included in your ReceivablesPro system settings.)

If your account was not initially configured for an automatic re-submit, please contact your service provider so that they can make the appropriate adjustment with your ACH processor. Note that if you configure automatic re-submit, you run the risk of the transaction being returned again, and incurring a second ACH Return fee.

You can also contact your customer for a different form of payment, or ask them for a date when the account will contain funds so that you can manually submit the transaction again.

If you have not yet shipped the goods or provided the services covered by the payment, you may want to wait to do so until you have confirmation of a settled payment.

NACHA Definition:

A previously active account has been closed by action of the customer or the RDFI.

What it Means:

The bank account you attempted to charge is closed, and you cannot re-submit this transaction.

What to Do:

Contact your customer for a different bank account, or for another form of payment.

If you have not yet shipped the goods or provided the services covered by the payment, you may want to wait to do so until you have confirmation of a settled payment.

NACHA Definition:

The account number structure is valid and it passes the check digit validation, but the account number does not correspond to the individual identified in the Entry, or the account number designated is not an existing account.

What it Means:

When entering the transaction, the Routing Number, Bank Account Number, and/or the Customer Name was entered incorrectly. You cannot re-submit this transaction.

What to Do:

Contact your customer and confirm the Routing Number, Bank Account Number and the exact name on the bank account. (You may want to ask your customer to fax a copy of a voided check so that you can double-check these values yourself.)

If this information does not exactly match what you initially entered, make changes and submit a NEW payment.

If you did enter everything correctly, please contact your service provider so that they can further investigate the problem.

NACHA Definition:

The account number structure is not valid. The entry may fail the check digit validation or may contain an incorrect number of digits.

What it Means:

When entering the transaction, the Bank Routing Number and Account Number entered were definitely wrong. You cannot re-submit this transaction.

What to Do:

Contact your customer and obtain the correct bank account number. (You may want to ask your customer to fax a copy of a voided check so that you can double-check the bank account number yourself.)

Submit a NEW payment using the corrected bank account number.

NACHA Definition:

ACH Entry to a non-transaction account.

What it Means:

The bank account you entered cannot be used for ACH Payments.

What to Do:

Contact your customer to obtain authorization to charge a different bank account. (Be certain that your customer confirms the account is enabled for ACH transactions.) Or, ask for a different form of payment.