ACH Return Codes

Code	Description	Locks the Node	Locks the User
R01	Insufficient Funds
R02	Account Closed	✅
R03	No Account/Unable to Locate Account	✅
R04	Invalid Account Number	✅
R06	Returned Per ODFI's Request
R07	Authorization Revoked by Customer UNAUTHORIZED RETURN PRICING APPLIES		✅
R08	Payment Stopped UNAUTHORIZED RETURN PRICING APPLIES	✅
R09	Uncollected Funds
R10	Customer Advises Not Authorized UNAUTHORIZED RETURN PRICING APPLIES		✅
R11	Check Safekeeping Entry Return
R12	Branch Sold To Another DFI	✅
R13	RDFI Not Qualified to Participate	✅
R14	Account Holder Deceased		✅
R16	Account Frozen	✅
R17	File Record Edit Criteria
R20	Non-Transaction Account	✅
R21	Invalid Company Identification
R22	Invalid Individual ID Number
R23	Credit Refused by Receiver
R24	Duplicate Entry
R29	Corporate Customer Advises Not Authorized UNAUTHORIZED RETURN PRICING APPLIES		✅
R31	Permissible Return Entry
R33	Return of XCK Entry
R34	Limited participation DFI	✅

In Sandbox the relevant node or user may be locked automatically. For more details, refer to ACH Transaction Sandbox Test Values.