R36 ACH return code: Return of Improper Credit Entry
What R36 means
A credit was sent with a payment code that only allows debits (ARC, BOC, POP, RCK, TEL or XCK).
R36 key facts
| Official title | Return of Improper Credit 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 R36 happens
- A credit entry carrying a debit-only SEC code.
What to do next
If you sent the payment
- Use a payment code that allows credits, such as PPD or CCD, 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.