R14 ACH return code: Representative Payee Deceased or Unable to Continue
What R14 means
The person who received payments on behalf of someone else (a representative payee) has died or can no longer act. The person the payments are for is still living.
R14 key facts
| Official title | Representative Payee Deceased or Unable to Continue in that Capacity |
|---|---|
| Returned by | Receiving bank (RDFI) |
| Time frame | 2 banking days The receiving bank must send the return so that it reaches the sending bank by the opening of business on the second banking day after the payment settled. |
| Applies to | Consumer and business accounts |
| Can you send it again? | Only after you fix the reason for the return. Under the general Nacha rule, a returned payment may be sent again within 180 days if you have corrected the problem. |
| Type of return | Standard return |
Why R14 happens
- A representative payee for benefit payments has died or can no longer serve.
What to do next
If you sent the payment
- Stop sending payments to this account.
- Arrange a new payee or a new account with the person the payments are for.
If you got the notice about your own account
- Contact the agency or company that pays the benefit to name a new representative payee.
Got a return file from your bank? Open it in the ACH file viewer to see the code next to each payment.
Sources
- Green Book: A Guide to Federal Government ACH Payments, US Treasury, Bureau of the Fiscal Service
- 2024 ACH Quick Reference Guide, EPCOR
- ACH Return, NOC and Transaction Codes, Commerce Bank
- ACH Return Reason Codes and Time Frames, CBS Bank
General information, not legal or financial advice. Rules change and banks set their own requirements. Check with your bank before you act. ACH Forms is not affiliated with Nacha.