R25 ACH return code: Addenda Error
What R25 means
The addenda (extra information) records attached to the payment are wrong: a bad indicator, type code or sequence number, or too many records.
R25 key facts
| Official title | Addenda Error |
|---|---|
| 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 R25 happens
- The addenda record indicator does not match the addenda records in the file.
- An invalid or out-of-order addenda type code or sequence number.
What to do next
If you sent the payment
- Correct the addenda records 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.