Most Common Online Payment Return Reasons

Account Closed

A previously active account has been closed by action of the customer or RDFI (Receiving Depository Financial Institution).

Account Frozen

The funds in the account are unavailable due to specific action by the RDFI or by legal action.

Authorization Revoked by Customer

The RDFIs customer, who has previously authorized recurring withdrawals, has revoked the authorization with the Originator for this particular transaction.

Corporate Customer Advises Not Authorized

The RDFI has been notified by the Corporate Receiver that the Originator of a given transaction has not been authorized to debit the Receiver's account.

Customer Advises Not Authorized or Item is Ineligible, Notice Not Provided, Signatures Not Genuine or Item Altered

The RDFI has been notified by its customer, that the Originator of a given transaction has not been authorized to debit his account.

Insufficient Funds

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

Invalid Account Number

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

No Account/Unable to Locate Account

The account number structure is valid and 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 open account.

Non-Transaction Account

Policies or regulations restrict activity to the account.

Payment Stopped or Stop Payment on Item

The RDFIs customer of a debit transaction has stopped payment to a specific ACH debit.

Routing Number Check Digit Error

The check digit for a Routing Number is invalid.

Uncollected Funds

Sufficient book or ledger balance exists, but value of uncollected transactions brings the available and/or cash reserve balance below the dollar value of the debit entry.