Step 1
Verify the return context
Confirm SEC code, transaction code, amount, and effective date before deciding whether re-initiation is valid.
ACH
NACHA return codes
A practical page for quick triage: identify common return reasons, understand what they usually mean in operations, then jump into parser + wiki for deeper investigation.
Common codes to start with
Full list →R01
Insufficient Funds
Debit entry could not post because available balance was not enough.
Read full guide →
R02
Account Closed
Receiving bank indicates the account is closed and no longer accepts entries.
View quick summary →
R03
No Account / Unable to Locate
Account information does not match records or cannot be located by the RDFI.
View quick summary →
R29
Corporate Not Authorized
Corporate receiver advises the debit entry was not authorized.
Open reference list →
Step 2
Inspect source file quickly
Use the browser-based parser to inspect batches, entries, and addenda fields without uploading files.
Step 3
Apply policy + timing rules
Operational windows and re-initiation limits depend on rule set, processor policy, and account agreements.
This page is a practical reference, not legal guidance. Always confirm return handling, timelines, and re-initiation policy with your ODFI/RDFI and the official NACHA publications your organization is licensed to use.