R61 - Misrouted Return

What this code means

DISHONORED RETURN (ODFI -> RDFI). The RDFI sent its return to the wrong institution - the routing number in the return was incorrect. The ODFI is dishonoring that return.

Typical causes

• RDFI put the wrong routing number in the return entry
• Return sent to an institution that was not the ODFI of the original entry
• Routing data corrupted when building the return

What to do

This is a bank-to-bank dishonor code, not an Originator-facing rejection. Dishonored returns must be transmitted within 5 banking days of the settlement date of the original return.

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.

799R61091000010000001      09100001                                            091000019000001

Tools for this code

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