R77 ACH return code: Non-Acceptance of R62 Dishonored Return
The receiving bank does not accept an R62 dishonored return, because it returned both the erroneous payment and the reversal, or because the money cannot be recovered from the account holder.
R77 key facts
| Official title | Non-Acceptance of R62 Dishonored Return |
|---|---|
| Returned by | Receiving bank (RDFI) |
| Time frame | 2 banking days The receiving bank must send the contested dishonored return within two banking days after the dishonored return settled. |
| Applies to | Consumer and business accounts |
| Can you send it again? | Not applicable. This code is exchanged between the banks about a return, not about your original payment. |
| Type of return | Contested dishonored return |
R77 was added on March 20, 2015 as the answer to an R62 dishonored return.
Why R77 happens
- A dispute about a reversal that went wrong.
What to do next
If your payment is involved
- Nothing in most cases. This code is the receiving bank answering a dishonored return.
- If the return stands, deal with the original reason for it.
Got a return file from your bank? Open it in the ACH file viewer to see the code next to each payment.
Which code answers which
The originating bank (the bank that sent the original payment) refuses a return with a dishonored return code. The receiving bank can answer with a contested dishonored return code.
| Dishonored return | The receiving bank's answer |
|---|---|
| R62 Return of Erroneous or Reversing Debit | R77 Non-Acceptance of R62 Dishonored Return |
| R67 Duplicate Return | R75 Return Not a Duplicate |
| R68 Untimely Return | R73 Timely Original Return |
| R69 Field Error(s) | R74 (corrected return) or R76 (no errors found) |
R71 and R72 contest a dishonored return that was misrouted or sent late.
Sources
- 2024 ACH Quick Reference Guide, EPCOR
- 2024 ACH Quick Reference Guide for Corporate Users, EPCOR
- ACH Return Reason Codes and Time Frames, CBS Bank
- Nacha rule summary: dishonored returns and contested dishonored returns (2015), Grand Valley Bank copy
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.