R50 - State Law Affecting RCK Acceptance (RCK only)
The RDFI is located in a state whose law does not permit, or restricts, the electronic re-presentment of returned cheques (RCK), so it cannot accept the RCK entry.
R50 - State Law Affecting RCK Acceptance (RCK only)
The RDFI is located in a state whose law does not permit, or restricts, the electronic re-presentment of returned cheques (RCK), so it cannot accept the RCK entry. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The RDFI is located in a state whose law does not permit, or restricts, the electronic re-presentment of returned cheques (RCK), so it cannot accept the RCK entry.
Typical causes
- State law prohibits or restricts RCK entries
- Receiver has not been given the required RCK notice under state law
- RCK originated into a jurisdiction where it is not permitted
What to do
RCK-only code. Do not re-send as RCK; collect the returned cheque through the cheque system instead.
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.
799R50091000010000001 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