R50 ACH return code: State Law Affecting RCK Acceptance
What R50 means
A re-presented check (RCK) entry was returned because of state law: the state has not adopted the rules that allow checks to be presented electronically, or it requires canceled checks to be returned to the customer.
R50 key facts
| Official title | State Law Affecting RCK Acceptance |
|---|---|
| Returned by | Receiving bank (RDFI) |
| Time frame | 2 banking days Returns of re-presented check (RCK) entries follow check law: the receiving bank must send the return by midnight of its second banking day after it received the entry. |
| Applies to | Consumer accounts |
| Can you send it again? | No. |
| Type of return | Re-presented check (RCK) |
Why R50 happens
- State law where the receiving bank is located does not allow the RCK entry.
What to do next
If you sent the payment
- Stop sending RCK entries to this bank.
- Collect the bounced check in another way.
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.