Invalid bank account notification

If a bank rejects an ePayment transaction or a test transaction when adding a bank account, the bank account is marked as invalid and inactivated in You will need to check the reason code by following the steps below.

Contact your bank to resolve the code, and then re-add the bank once you have addressed the issue based on the reason code, or add a different bank.

Details for why a bank account was invalidated

  1. Click Settings
  2. Under Your Company, click Bank Accounts
  3. Click the bank account number that displays Invalid under Verification Status
  4. Hover over Details and click Audit Trail

The bank return code is displayed in the New Value field and often includes details explaining the code. This is the reason the bank provided for why the funds were rejected by the receiving bank.

We process ePayments via ACH (Automated Clearing House) and cannot deposit to some accounts. For example, we cannot deposit to accounts that do not accept ACH in CCD format. We send business bank to business bank files, which also work for personal accounts.

5 most common return codes

R01 - Insufficient Funds - the available balance is not sufficient to cover the dollar amount of the debit entry

R02 - Account Closed - a previously active account has been closed by customer or customer's bank

R03 - No Account/Unable to Locate Account - the account structure is valid and passes editing process, but does not correspond to individual or is not an open account.

R16 - The account and/or its funds are currently not available.

R29 - Corporate Customer Advises Not Authorized - RDFI has been notified by Receiver (non-consumer) that entry was not authorized.

R85 - Incorrectly coded outbound international payment.

If the bank return code reported isn't listed above or if you have questions regarding the return code displayed, please contact your bank's ACH department.