R01 - Insufficient Funds
The Receiver's available balance is not enough to cover the amount of the debit. The RDFI is telling the Originator the account exists and is valid, but there simply was not enough money at the moment of posting.
R01 - Insufficient Funds
The Receiver's available balance is not enough to cover the amount of the debit. The RDFI is telling the Originator the account exists and is valid, but there simply was not enough money at the moment of posting. This rejection is recoverable: correct the cause and the same payment can be resubmitted.
What this code means
The Receiver's available balance is not enough to cover the amount of the debit. The RDFI is telling the Originator the account exists and is valid, but there simply was not enough money at the moment of posting.
Typical causes
- Customer's balance dropped below the debit amount before posting
- Debit presented before the customer's payday or expected deposit
- Multiple debits hit the same account on the same day
What to do
May be reinitiated up to 2 times within 180 days of the original entry's settlement date. Company Name, Company ID and Amount must be identical, and 'RETRY PYMT' must appear in the Company Entry Description field.
What it looks like in an ACH return
The return arrives as an Addenda Record (type 99), 94 characters wide. The return reason code sits in positions 4-6.
799R01091000010000001 09100001 091000019000001Tools for this code
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Related codes
Source: Nacha ISO 20022 mapping guide + Federal Reserve ACH Return Reason Report + US Treasury Green Book · Last verified: 2026-07-13
Checked against: nacha.org · frbservices.org · fiscal.treasury.gov