What ACH Return Codes Should Banks Monitor?

Banks commonly monitor return codes tied to unauthorized or problematic activity.

Common Examples

  • R05 Unauthorized debit to consumer account
  • R07 Authorization revoked
  • R10 Unauthorized / customer advises not authorized
  • R11 Error in authorization terms
  • Administrative return trends

Return activity can reveal fraud, onboarding weaknesses, or customer dissatisfaction.

 

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