R45 ACH return code: Invalid Individual Name/Company Name (ENR)
What R45 means
In an automated enrollment (ENR) entry sent to a federal agency, the name does not match the agency's records.
R45 key facts
| Official title | Invalid Individual Name/Company Name (ENR only) |
|---|---|
| Returned by | Federal government agency |
| Time frame | Not stated The sources we checked do not give a deadline for these enrollment returns. |
| Applies to | Not applicable (no money moves) |
| Can you send it again? | Not applicable. An enrollment entry carries no money. The bank corrects it and sends a new one. |
| Type of return | Federal enrollment (ENR) |
Why R45 happens
- The name in the enrollment record does not match the agency's records.
What to do next
If you sent the payment
- If you are a bank, correct the enrollment entry and send it again.
If you got the notice about your own account
- Ask your bank to correct your direct deposit enrollment, or enroll with the agency directly.
Got a return file from your bank? Open it in the ACH file viewer to see the code next to each payment.
Sources
- Green Book: A Guide to Federal Government ACH Payments, US Treasury, Bureau of the Fiscal Service
- 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.