R03 - No Account / Unable to Locate Account

What this code means

The account number is structurally valid and passes check-digit validation, but it does not correspond to any open account, or does not match the individual named in the entry. Effectively: the bank cannot find this account.

Typical causes

• Typo in the account number captured at onboarding
• Name on the entry does not match the accountholder of record
• Customer supplied a deposit-slip number instead of the real account number

What to do

Correcting the account number and re-sending is NOT considered a reinitiation under Nacha rules, so the 2-attempt limit does not apply. Counts toward the 3.0% administrative-return threshold.

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.

799R03091000010000001      09100001                                            091000019000001

Tools for this code

Decode a real status report, or check a payment file before you send it — all in your browser, nothing uploaded.

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