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- Negative ACH Response Codes Explained
Negative ACH Response Codes Explained
When an ACH (bank transfer) transaction is initiated, the sender’s bank responds with a code indicating the status of the sender’s account. This response can be either positive or negative.
A positive response allows the transaction to proceed without issue. A negative response, however, results in either an outright rejection or a conditional rejection requiring further action, such as providing proof of funds before authorization. Rejected transactions cannot be processed unless the issue causing the rejection is resolved.
Below is a table of known negative ACH response codes. If you encounter one of these and need further assistance, please contact us.
Account status codes
| Code | Code Data | Code Description |
|---|---|---|
| GN01 | Negative Data | Negative information was found. |
| GN05 | Unassigned Routing Number | The routing number supplied is reported as not assigned to a financial institution |
| GP01 | Private Bad Checks List | Known bad check writer |
| GS01 | Invalid Routing Number | The routing number did not match the format of a valid routing number. |
| GS02 | Invalid Account Number | The account number did not match the format of a valid account number. |
| ND01 | No Data - US Govt 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. |
| 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 customer to ensure that the correct account information was entered. |
| RT01 | Declined | This account should be returned based on the risk factor being reported. |
| RT02 | Reject Item | This item should be returned based on the risk factor being reported. |
| 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) |
| 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. |
| 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) |