R33 - Return of XCK Entry
The RDFI, at its sole discretion, is returning a Destroyed Check Entry (XCK). XCK is used when a physical cheque was lost or destroyed in transit, and the RDFI is under no obligation to accept it.
R33 - Return of XCK Entry
The RDFI, at its sole discretion, is returning a Destroyed Check Entry (XCK). XCK is used when a physical cheque was lost or destroyed in transit, and the RDFI is under no obligation to accept it. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The RDFI, at its sole discretion, is returning a Destroyed Check Entry (XCK). XCK is used when a physical cheque was lost or destroyed in transit, and the RDFI is under no obligation to accept it.
Typical causes
- RDFI simply chooses not to honour a destroyed-cheque entry
- Cheque cannot be verified because the physical item no longer exists
- Customer disputes an XCK item
What to do
May only be used to return XCK entries. Do not re-send; pursue the cheque through other means.
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.
799R33091000010000001 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