Best Guide To Choose R09 ACH Return Code ?

When an organization files an ACH return, the RDFI is required to indicate the reason for the return by using a standardized code. The following is a list of some of the most common codes used:
 
R01-insufficient funds
 
R02-account closed
 
R03-no account/unable to locate account
 
R04-invalid account number
 
R05-unable to locate original entry
 
R06-returned per ODFI's request
 
R07-authorization revoked by customer
 
R08-payment stopped
 
R09-uncollected funds
 
The R09 ACH return code is used when the funds for a particular transaction are not available at the time the transaction is processed. This can happen for a number of reasons, including if the account holder has insufficient funds in their account or if the account has been closed. If you receive an R09 code on an ACH return, it is important to take action to correct the situation so that the transaction can be processed successfully.
 
If you are the account holder, you will need to make sure that there are sufficient funds in your account to cover the transaction. If you are the RDFI, you may need to contact the account holder to verify that they have enough funds available. If you are the ODFI, you may need to contact the RDFI to determine why the funds are not available.
 
It is important to note that the R09 code is only used for ACH transactions. If you receive this code on a check or other type of transaction, it will mean something different. For example, the R09 code on a check may indicate that the check was written on a closed account.
 
You should always take action to correct the situation when you receive an R09 code. If you do not, the transaction will likely be returned and you may incur fees. Additionally, if you are the ODFI, you may also be subject to penalties from the NACHA if transactions are returned due to insufficient funds.