R09 - Uncollected Funds
The account's ledger (book) balance would cover the debit, but part of that balance is still on hold from uncleared deposits, so the available balance is too low. It is a timing problem rather than a lack of money.
R09 - Uncollected Funds
The account's ledger (book) balance would cover the debit, but part of that balance is still on hold from uncleared deposits, so the available balance is too low. It is a timing problem rather than a lack of money. This rejection is recoverable: correct the cause and the same payment can be resubmitted.
What this code means
The account's ledger (book) balance would cover the debit, but part of that balance is still on hold from uncleared deposits, so the available balance is too low. It is a timing problem rather than a lack of money.
Typical causes
- A large cheque deposit had not yet cleared when the debit posted
- Funds-availability hold placed by the RDFI
- Debit presented one day too early relative to an incoming credit
What to do
Like R01, may be reinitiated up to 2 times within 180 days of the original entry's settlement date, with identical Company Name / Company ID / Amount and 'RETRY PYMT' 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.
799R09091000010000001 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