Check/RDC Return Codes

Please note that codes relevant to Remote Deposit Capture (i.e. RDC Return Reason Codes) are marked with ✅ in the "Applicable to RDC" column.

Codes that include [Admin] in the description (i.e. administrative reason codes) denote that the Federal Reserve or a Synapse bank partner was unable to process the check.

Code	Description	Applicable to RDC
`CHR01`	NSF – customer does not have sufficient funds to cover the item	✅
`CHR02`	UCF – uncollected funds hold
`CHR03`	Stop payment – a stop payment has been placed on the item	✅
`CHR04`	Closed account – the item’s account has been closed Unauthorized Return	✅
`CHR05`	UTLA – unable to locate account Unauthorized Return	✅
`CHR06`	Frozen/blocked account – account has restrictions placed by customer or bank Unauthorized Return	✅
`CHR07`	Stale dated – the date on the item is more than 6 months old
`CHR08`	Post dated – the date on the item is in the future
`CHR09`	Endorsement missing
`CHR10`	Endorsement irregular
`CHR11`	Signature(s) missing
`CHR12`	Signature(s) irregular, suspected forgery
`CHR13`	Non-cash item (non negotiable)
`CHR14`	Altered/fictitious item/Suspected counterfeit/Counterfeit Unauthorized Return	✅
`CHR15`	Unable to process
`CHR16`	Items exceeds stated max value
`CHR17`	Not Authorized (Includes Drafts/Remotely Created Checks) – Unauthorized item such as a draft/RCC Unauthorized Return	✅
`CHR18`	Branch/account sold (Wrong Bank)
`CHR19`	Refer to Maker	✅
`CHR20`	Item cannot be re-presented (exceeds allowable number of presentments
`CHR21`	Unusable image
`CHR22`	Cannot determine amount
`CHR23`	Refer to image – return reason is contained within the image of the item
`CHR24`	Duplicate Presentment (Supporting documentation shall be readily available) Unauthorized Return	✅
`CHR25`	Forgery – an affidavit shall be available upon request Unauthorized Return	✅
`CHR26`	Warranty breach (includes Rule 8 & 9 claims) Unauthorized Return	✅
`CHR27`	RCC warranty breach
`CHR28`	Forged and counterfeit warranty breach (Rule 9)
`CHR29`	Retired/ineligible routing number
`CHR30`	[ADMIN] Image Missing
`CHR31`	[ADMIN] Ineligible Item
`CHR32`	[ADMIN] Item cannot be re-presented (exceeds number of allowable times for presentment)
`CHR33`	[ADMIN] unusable image
`CHR34`	[ADMIN] Image fails security check
`CHR35`	[ADMIN] Duplicate presentment
`CHR36`	[ADMIN] Does not conform with ANS X9.100-181
`CHR37`	[ADMIN] Does not conform to the Industry’s Universal Companion Document
`CHR38`	[ADMIN] Warranty Breach (includes Rule 8 & Rule 9 claims)
`CHR39`	[ADMIN] RCC Warranty Breach (Rule 8)
`CHR40`	[ADMIN] Forged and Counterfeit Warranty Breach
`CHR41`	[ADMIN] Retired/Ineligible Routing Number