R62 - Return of Erroneous or Reversing Debit

What this code means

DISHONORED RETURN (ODFI -> RDFI). The Originator's/ODFI's use of the reversal process either produced, or failed to correct, an unintended credit to the Receiver. The RDFI is returning the erroneous or reversing debit.

Typical causes

• Reversal file botched, leaving the Receiver credited twice
• Erroneous debit sent as part of a correction that itself was wrong
• Reversal originated outside the permitted window

What to do

Bank-to-bank dishonor code. Dishonored returns must be transmitted within 5 banking days of the settlement date of the original return. See R77 for the RDFI's non-acceptance response.

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.

799R62091000010000001      09100001                                            091000019000001

Tools for this code

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