R28 ACH return code: Routing Number Check Digit Error
What R28 means
The last digit of the routing number, the check digit, does not match the first eight digits.
R28 key facts
| Official title | Routing Number Check Digit 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 R28 happens
- A typing mistake in the routing number.
- Two digits swapped.
What to do next
If you sent the payment
- Check the routing number. The ninth digit is calculated from the first eight.
- Get the correct number from the customer and send a new payment.
If you got the notice about your own account
- Look up your bank's routing number and send it to the business again.
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.