R46 ACH return code: Invalid Representative Payee Indicator (ENR)
What R46 means
In an automated enrollment (ENR) entry sent to a federal agency, the representative payee indicator is missing or does not match the agency's records.
R46 key facts
| Official title | Invalid Representative Payee Indicator (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 R46 happens
- The representative payee indicator in the enrollment record is wrong.
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.