R20 - Non-Transaction Account
The entry was sent to an account that is not permitted to take ACH transactions, or is limited in the number of transactions allowed - for example a certificate of deposit, a loan account, or an escrow/savings account with regulatory transaction limits.
R20 - Non-Transaction Account
The entry was sent to an account that is not permitted to take ACH transactions, or is limited in the number of transactions allowed - for example a certificate of deposit, a loan account, or an escrow/savings account with regulatory transaction limits. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The entry was sent to an account that is not permitted to take ACH transactions, or is limited in the number of transactions allowed - for example a certificate of deposit, a loan account, or an escrow/savings account with regulatory transaction limits.
Typical causes
- Customer supplied a CD, loan or escrow account number
- Savings account hit its permitted transaction limit
- Account type prohibits ACH debits by bank policy
What to do
Do not reinitiate. Collect a transactional (checking/savings) account 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.
799R20091000010000001 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