R12 - Branch Sold to Another DFI
The branch holding the Receiver's account was sold to a different financial institution, and the RDFI can no longer post entries to it. The routing/account pair needs to be re-collected from the customer.
R12 - Branch Sold to Another DFI
The branch holding the Receiver's account was sold to a different financial institution, and the RDFI can no longer post entries to it. The routing/account pair needs to be re-collected from the customer. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The branch holding the Receiver's account was sold to a different financial institution, and the RDFI can no longer post entries to it. The routing/account pair needs to be re-collected from the customer.
Typical causes
- Bank merger or branch divestiture
- Customer's account migrated to the acquiring institution with new details
- Stale bank details on file after a regional bank sale
What to do
Do not reinitiate as-is. Obtain updated routing and account details. Note some sources title this 'Account Sold to Another DFI'; the substance is identical.
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.
799R12091000010000001 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