R33 ACH return code: Return of XCK Entry
What R33 means
A destroyed-check entry (XCK) was returned. The receiving bank may return these at its own discretion.
R33 key facts
| Official title | Return of XCK Entry |
|---|---|
| Returned by | Receiving bank (RDFI) |
| Time frame | 60 calendar days The receiving bank can send the return for up to 60 calendar days after the payment settled. No written statement from the account holder is needed. |
| 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 | Check conversion |
Why R33 happens
- The receiving bank chose not to accept an XCK entry, which stands in for a lost or destroyed check.
What to do next
If you sent the payment
- Collect the payment another way.
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.