R35 ACH return code: Return of Improper Debit Entry
What R35 means
A debit was sent where debits are not allowed: as a CIE bill payment or to a loan account.
R35 key facts
| Official title | Return of Improper Debit Entry |
|---|---|
| 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 R35 happens
- A debit entry coded CIE.
- A debit sent to a loan account.
What to do next
If you sent the payment
- Correct the payment type or the account and send a new entry.
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.