R34 - Limited Participation DFI
A federal or state regulator has restricted the RDFI's participation in the ACH network, so it cannot accept this entry.
R34 - Limited Participation DFI
A federal or state regulator has restricted the RDFI's participation in the ACH network, so it cannot accept this entry. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
A federal or state regulator has restricted the RDFI's participation in the ACH network, so it cannot accept this entry.
Typical causes
- Regulator limited the institution's ACH activity
- Institution under supervisory action
- Institution winding down ACH participation
What to do
Not caused by the Originator and not fixable by re-sending. Use an alternative payment channel for this Receiver.
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.
799R34091000010000001 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