R53 ACH return code: Item and RCK Entry Presented for Payment
What R53 means
Both the re-presented check (RCK) entry and the original paper check were presented for payment.
R53 key facts
| Official title | Item and RCK Entry 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 accounts |
| Can you send it again? | No. |
| Type of return | Re-presented check (RCK) |
| Written statement | The bank needs a signed Written Statement of Unauthorized Debit from the account holder. |
Why R53 happens
- The bounced check was deposited again as well as being sent as an RCK entry.
What to do next
If you sent the payment
- Accept the return. The same check may not be collected twice.
If you got the notice about your own account
- Tell your bank if the check and an ACH payment for it 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
- 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.