R39 ACH return code: Improper Source Document
What R39 means
The check used for a converted payment (ARC, BOC or POP) was not eligible for conversion, or both the check and the ACH payment were paid.
R39 key facts
| Official title | Improper Source Document/Source Document Presented for Payment |
|---|---|
| Returned by | Receiving bank (RDFI) |
| Time frame | 2 banking days The receiving bank must send the return so that it reaches the sending bank by the opening of business on the second banking day after the payment settled. |
| Applies to | Consumer and business accounts |
| Can you send it again? | No. |
| Type of return | Check conversion |
Why R39 happens
- A check that is not eligible for conversion was used.
- The check and the ACH payment were both posted to the account.
What to do next
If you sent the payment
- Stop sending the entry.
- Review which checks you convert. Not every check is eligible.
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.