R37 ACH return code: Source Document Presented for Payment
What R37 means
A check was converted to an ACH payment (ARC, BOC or POP), and the paper check was also presented for payment.
R37 key facts
| Official title | Source Document Presented for Payment |
|---|---|
| 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. It first gets a signed Written Statement of Unauthorized Debit from the account holder, then must send the return within six banking days of finishing its review. |
| Applies to | Consumer and business accounts |
| Can you send it again? | No. The paper check was presented, so the ACH payment must not be sent again. |
| Type of return | Check conversion |
| Written statement | The bank needs a signed Written Statement of Unauthorized Debit from the account holder. |
Why R37 happens
- The check was deposited as well as being converted.
What to do next
If you sent the payment
- Accept the return. A check may not be both converted and deposited.
- Check your process so converted checks are not also sent for deposit.
If you got the notice about your own account
- Tell your bank if a check and an ACH payment for the same amount both left your account.
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
- 2024 ACH Quick Reference Guide for Corporate Users, 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.