ACH Return Reason Codes Explained

Compliance Frontline & New Accounts Operations ACH & Card Services Deposit Account Compliance

On-Demand Webinar:

StreamedNov 25, 2025Duration90 minutes

Unlimited & shareable access starting two business days after live stream
Available on desktop, mobile & tablet devices 24/7
Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

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Did you know the ACH Network has 70 return reason codes?!

Which gets used when? Which timeframe applies? What are the processes for dishonored and corrected returns? Change uncertainty to confidence with this answer-infused webinar.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

Use the most appropriate return reason code to process an ACH return
Identify the return reason codes to use for consumer versus non-consumer ACH entries
Define your financial institution’s procedures to include the requirements of a Written Statement of Unauthorized Debit (WSUD) for the return reason codes for which it is required
Explain the process for dishonored and contested/corrected dishonored returns
Understand the general return timeframe and the extended return timeframe, as well as other timeframes applicable to ACH returns

This course is eligible for 1.8 AAP/APRP credits

WEBINAR DETAILS

With 70 different return reason codes used in the ACH Network, it can be challenging to stay on top of the most appropriate return reason code for a given situation. Which return reason codes require a WSUD? How many days do you have to process a return? What about the return reason codes that have unusual timeframes that don’t fall into the standard or extended return timeframes? This session will answer all these questions and more, including an overview of dishonored returns, contested dishonored returns, and returns that are processed by the ACH operator or gateway.

WHO SHOULD ATTEND?

This session is ideal for both frontline and ACH operations staff who are newer to their role, or experienced staff looking for a refresher on the fundamentals of return reason codes.

TAKE-AWAY TOOLKIT

Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.