Any ACH sale or authorization request will return the response from the NACHA-approved third-party in the auth code field. Details of the ACH auth codes are available in the Authorization Code Responses table.
ACH payment and verification requests can receive a failure with a reason code (rcode) of 119 ACH payment data is invalid. Additional descriptive information will be appended at the end of “ACH payment data is invalid.” Details of the invalid detailed codes and descriptions are in the ACH Response Code 119 Detailed Code and Descriptions table.
Authorization Code Responses
| ACH Auth Codes | Description | Definition | Response Is Considered |
|---|---|---|---|
| 2222 | Pass AMEX | AMEX Cheque – The account was found to be an open and valid American Express account. | Ok |
| 3333 | Pass NPP | Non-Participant Provider – This account was reported with acceptable, positive data found in recent or current transactions. | Ok |
| 5555 | Pass SAV | Savings Account Verified – The savings account was found to be an open and valid account. | Ok |
| 7777 | Pass AV | Account Verified – The checking account was found to be open and have a positive history. | Ok |
| 8888 | Pass SAV | Savings Account Verified – The savings account was found to be open and have a positive history. | Ok |
| 9999 | Pass NPP | This account was reported with acceptable, positive data found in recent transactions. Positive history exists for multiple transactions. | Ok |
| GN01 | Negative Data | Negative information was found. | Ok |
| GN05 | Unassigned Routing Number | The routing number supplied is reported as not assigned to a financial institution. | Decline |
| GP01 | Private Bad Checks List - Variable | The value for Details will vary depending on the value set for CheckReject reason in the Private Bad Checks List. | Ok |
| GS01 | Invalid Routing Number | The routing number supplied did not match the format of a valid routing number. | Decline |
| GS02 | Invalid Account Number | The account number supplied did not match the format of a valid account number. | Decline |
| GS03 | Invalid Check Number | The check number supplied did not match the format of a valid check number. | Decline |
| GS04 | Invalid Amount | The amount supplied did not match the format of a valid amount. | Decline |
| ND00 | No Data | No positive or negative information has been reported on the account. This could be a small or regional bank that does not report. | Ok |
| ND01 | No Data - US Government Only | No positive or negative information has been reported on the account. This routing number can only be valid for US Government financial institutions. Please verify this item with its issuing authority. | Ok |
| RT00 | No Information Found | The routing number appears to be accurate however no positive or negative information has been reported on the account. Please contact the customer to ensure that the correct account information was entered. | Ok |
| RT01 | Declined | This account should be returned based on the risk factor being reported. | Decline |
| RT02 | Reject Item | This item should be returned based on the risk factor being reported. | Ok |
| RT03 | Accept With Risk | Current negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items). | Ok |
| RT04 | Non Demand Deposit Account | This is a Non Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity or a Brokerage check. | Decline |
| RT05 | Accept With Risk | Recent negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items). | Ok |
ACH Response Code 119 Detailed Code and Descriptions
| ACH Response Code 119 Detailed Code | ACH Response code 119 Detailed Description |
|---|---|
| C01 | Incorrect bank account number |
| C02 | Incorrect transit/routing number |
| C03 | Incorrect transit/routing number and bank account number |
| C06 | Incorrect bank account number and transit code |
| C07 | Incorrect transit/routing number, bank account number and payment code |
| I08 | Invalid routing number |
| I24 | Previously received R02, R03, R04, R20 on this account |
| R02 | Bank account closed |
| R03 | No bank account/unable to locate account |
| R04 | Invalid bank account number |
| R12 | Branch sold to another RDFI |
| R13 | RDFI not qualified to participate |
| R14 | Representative payee deceased or unable to continue in that capacity |
| R15 | Beneficiary or bank account holder deceased |
| R16 | Bank account frozen |
| R20 | Non-payment bank account |
| R28 | Transit routing number check digit error |
