R01 – Insufficient Funds. The available balance was not sufficient to cover the dollar value of the debit entry.

R02 – Account Closed. The account is closed.

R03 – No Account/Unable to Locate Account. The account number structure is valid and passes the validation process, but does not correspond to an individual or is not an open account.

R04 – Invalid Account Number Account Number was not recognized by the account holder’s bank.

R05 – Improper Debit to Consumer Account The account holder has not authorized the debit, and the transaction was submitted as “Corporate” instead of “Personal”.

R07 – Authorization Revoked by Customer. The account holder, who previously authorized the debit, has revoked that authorization.

R08 – Payment Stopped. The account holder with a recurring debit transaction has stopped payment to this specific EFT debit.

R09 – Uncollected Funds. The available balance was not sufficient to cover the dollar value of the debit entry.

R10 – Customer Advises Not Authorized. The account holder has advised that the debit was unauthorized

R13 – Invalid Routing Number/Bank Not Qualified to Participate. The routing number is not recognized as a participating bank.

R16 – Account Frozen. Funds unavailable due to specific action by the bank or by legal action.

R20 – Non Transaction Account. The EFT entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).

R24 – Duplicate Entry. The transaction has been flagged as a duplicate.

R26 – Mandatory Field Error. Improper information in one of the mandatory fields.

R28 – Routing number check digit error. The routing number is invalid.

R29 – Corporate Customer Advises Not Authorized. The corporate account holder has advised that the debit was not authorized.

R99 – Unspecified. The reason for error is unspecified.