R04 - Invalid Account Number Structure

What this code means

The account number itself is malformed: it fails the RDFI's structural or check-digit validation, or has the wrong number of digits. The bank rejected it before even looking for a matching account.

Typical causes

• Digits transposed or truncated during data entry
• Spaces, dashes or check-number fragments left in the account field
• Customer entered a debit-card number instead of an account number

What to do

Correcting the account number and re-sending is not a reinitiation. 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.

799R04091000010000001      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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