Bank Failure Codes and Resolutions
Introduction
On occasion an unsuccessful transfer can cause your Automatic Clearing House (ACH) payment to fail.
Information
This table lists the ACH return codes, reasons, and instruction you need to resolve electronic funds transfer (EFT) ACH bank failures.
| Error Message | Reason and Resolution |
| Account closed | Resolution: You must add new banking information before re-submitting payment. For step-by-step instructions to add new banking information, see Manage Your Share Account Information section, Add New Banking Information. |
|
Reason: You might have entered your account number or routing number incorrectly or you might have used bank routing and account numbers from a deposit slip. You must use the bank routing and account numbers from the check and not a deposit slip. Resolution: You must add your banking information again. For step-by-step instructions to add new banking information, see Manage Your Share Account Information section, Add New Banking Information. If the above suggestion does not resolve the issue, confirm your financial institution allows for ACH payments. In rare cases, you might need to use another external account. Once you have corrected your banking information, contact Member Care to have your financial account unlocked so you can resubmit payment. You can reach Member Care through these channels:
|
| Stop payment |
Reason: You or the Receiving Depository Financial Institution (RDFI) placed a stop payment order on this debit entry. Resolution: Ask the financial institute to unlock the account. Once unlocked, you must resubmit payment. |
| Customer advises unauthorized |
Reason: You contacted your bank and requested to stop or reverse the transaction because you might have thought the debiting entity was unknown, or the debit was unauthorized. Resolution: You must resubmit payment after the financial institution unlocks the account |
| Corporate customer advises not authorized |
Reason: Your external account has blocked the transaction. This might be an automated return from your financial institution because the names do not match. This is sometimes a setting that the bank has on its end to automatically accept or reject transactions.
Resolution: If you selected the Individual option account when entering payment information, you might be able to resolve the error by adding a new payment method using the Business account option. This will allow you to add the name of the business account as you have listed it with the financial institution. If the above suggestion does not resolve the issue, you will need to confirm that the external financial institution allows for ACH payments. In rare cases, you might need to use a different external account |