R51 - Item Related to RCK Entry is Ineligible, or RCK Entry is Improper (RCK only)

What this code means

The cheque behind the Re-presented Check entry was not eligible for RCK treatment, or the RCK entry itself was improperly originated (e.g. re-presented too many times, or the item was never eligible in the first place).

Typical causes

• Cheque exceeded the permitted number of RCK re-presentments
• Item was not a cheque eligible for RCK (e.g. a corporate item or an already-converted item)
• Required RCK notice was never given to the Receiver

What to do

RCK-only code. Do not re-send. Note this code counts toward Nacha's 0.5% unauthorized-return threshold despite being RCK-specific.

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.

799R51091000010000001      09100001                                            091000019000001

Tools for this code

Decode a real status report, or check a payment file before you send it — all in your browser, nothing uploaded.

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