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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. 

R02 – Account Closed 

Either you or the Receiving Depository Financial Institution (RDFI) has closed the previously active account.

To resolve: You must add a new external account before re-submitting payment. See Manage Your Share Account Information, section Add a New Bank for instructions to add a new external account.

R03 – No Account or Unable To Locate Account

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 number. The failure might be the result of: 

  • Incorrect Account Information. You might have entered your account number or routing number incorrectly.

To resolve: If you entered either the account number or routing number incorrectly, the system does not allow you to edit it. You will need to add that information again by completing the workflow in Manage Your Share Account Information section Add a New Bank.

  • Incomplete Account Information. The account information is correct.

To resolve: Confirm that you used the bank routing and account numbers from a check only because deposit slips might have truncated internal routing numbers that do not allow the financial institution to locate your bank account to complete the ACH.  

If the above suggestions do not resolve the issue, you will need to confirm your financial institution allows for ACH payments. In rare cases, you might need to use a different external account. 

Once you have corrected your account information contact Member Care to have your financial account unlocked so you can resubmit payment.

You can reach Member Care through these channels:

R04 – Invalid Account Number Structure 

The account number structure is not valid. The failure might be the result of: 

  • Incorrect Account Information. You might have incorrectly entered your account number or routing number.

To resolve: If you entered either the account number or routing number incorrectly, the system does not allow you to edit it. You will need to add that information again by completing the workflow in Manage Your Share Account Information section Add a New Bank.

  • Incomplete Account Information. The account information is correct.

To resolve: Confirm that you used the bank routing and account numbers from a check only because deposit slips have truncated internal routing numbers that do not allow the financial institution to locate your bank account to complete the ACH.  

If the above suggestions do not resolve the issue, you will need to confirm that your financial institution allows for ACH payments. In rare cases, you might need to use a different external account. 

Once you have corrected your account information contact Member Care to have your financial account unlocked so you can resubmit payment.

You can reach Member Care through these channels:

R08 – Stop Payment 

You or the Receiving Depository Financial Institution (RDFI) placed a stop payment order on this debit entry.

To resolve: If the stop payment was an error, you must ask the financial institution to unlock the account. Once unlocked, you must resubmit payment. 

R10 – Customer Advises Unauthorized  

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.     

To resolve: You must resubmit payment after the financial institution unlocks the account. 

R29 - Corporate Customer Advises Not Authorized 

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.  

To resolve: 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 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.