R02 - Account Closed
The account was previously open and valid but has since been closed, either by the customer or by the bank. The Originator must stop sending to this account.
R02 - Account Closed
The account was previously open and valid but has since been closed, either by the customer or by the bank. The Originator must stop sending to this account. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The account was previously open and valid but has since been closed, either by the customer or by the bank. The Originator must stop sending to this account.
Typical causes
- Customer switched banks and closed the old account
- Bank closed the account for inactivity or for cause
- Business account closed after a company dissolved
What to do
Do not reinitiate. Counts toward Nacha's 3.0% administrative-return threshold. New account details must be collected from the customer.
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.
799R02091000010000001 09100001 091000019000001Tools for this code
Decode a real status report, or check a payment file before you send it — all in your browser, nothing uploaded.
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