R40 - Return of ENR Entry by Federal Government Agency (ENR only)
A federal government agency is returning an Automated Enrollment (ENR) entry. ENR is the mechanism by which a bank enrols a customer for federal direct deposit; this code says the agency will not process the enrolment.
R40 - Return of ENR Entry by Federal Government Agency (ENR only)
A federal government agency is returning an Automated Enrollment (ENR) entry. ENR is the mechanism by which a bank enrols a customer for federal direct deposit; this code says the agency will not process the enrolment. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
A federal government agency is returning an Automated Enrollment (ENR) entry. ENR is the mechanism by which a bank enrols a customer for federal direct deposit; this code says the agency will not process the enrolment.
Typical causes
- Agency declined the automated enrolment
- Enrolment data not usable by the agency
- Enrolment sent to the wrong agency
What to do
ENR-only code, restricted to federal-government agency traffic. Not relevant to commercial ACH origination.
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.
799R40091000010000001 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 · fiscal.treasury.gov