R18 ACH return code: Improper Effective Entry Date
What R18 means
The effective date on the payment was too far in the future: more than two banking days ahead for a credit, or more than one for a debit.
R18 key facts
| Official title | Improper Effective Entry Date |
|---|---|
| Returned by | ACH Operator |
| Time frame | Next file delivery This is not a bank return deadline. The ACH Operator rejects the entry while processing the file and sends it back with its next file delivery. |
| Applies to | Consumer and business accounts |
| Can you send it again? | Yes. The entry was rejected before it reached the receiving bank, so correct the error and send a new entry. |
| Type of return | Standard return |
Why R18 happens
- The file was sent too early for its effective date.
- A wrong date or year was typed.
What to do next
If you sent the payment
- Correct the effective entry date and send the entry again.
- Check the file before sending it next time.
Got a return file from your bank? Open it in the ACH file viewer to see the code next to each payment.
Sources
- 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.