Return and NOC Codes - Commerce Bank

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ACHReturn&NOCCodes March 2015 CommerceBank1 NACHA Return Reason Codes (For additional information on Return reason Codes , please see the NACHA Rules.) code Title Description Initiated By Return Type Account TypeTime Frame Written Statement Required R01 Insufficient Funds The available and/orcashreservebalanceisnotsufficientt o cover the dollar value of the debit Entry. RDFIReturn ConsumerorNon 2Banking Days( 24 hours )NoR02 Account Closed A previously activeaccounthasbeenclosedbyactionofthe customer or the RDFI RDFIReturn ConsumerorNon 2Banking Days( 24 hours )NoR03 No Account/ Unable to Locate Account The account numberstructureisvalidanditpassestheChec k digit validation, but the account number does not correspond to the individual identified in the Entry, or the account number designated is not an existing account.

ACHReturn&NOCCodes March 2015 CommerceBank 1 NACHA Return Reason Codes (For additional information on return reason codes, please see the NACHA Rules.)

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