R35 - Return of Improper Debit Entry
A debit was sent where debits are not permitted for that application - for example a debit in a CIE batch, or a debit to a loan account where only credits are allowed.
R35 - Return of Improper Debit Entry
A debit was sent where debits are not permitted for that application - for example a debit in a CIE batch, or a debit to a loan account where only credits are allowed. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
A debit was sent where debits are not permitted for that application - for example a debit in a CIE batch, or a debit to a loan account where only credits are allowed.
Typical causes
- Debit sent using a credit-only SEC code (e.g. CIE)
- Debit attempted against a loan account that accepts credits only
- Transaction code in the entry detail record contradicts the batch's service class code
What to do
Do not re-send the debit. The transaction type itself was impermissible; re-originate correctly (or via another channel) rather than retrying.
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.
799R35091000010000001 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