R68 - Untimely Return

What this code means

DISHONORED RETURN (ODFI -> RDFI). The RDFI sent its return after the deadline permitted by the Rules, so the ODFI is refusing to accept it.

Typical causes

• RDFI missed the 2-banking-day or 60-calendar-day return deadline
• Return queued behind a processing backlog at the RDFI
• Dispute raised by the Receiver after the return window had closed

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. The RDFI may contest with R73 ('Timely 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.

799R68091000010000001      09100001                                            091000019000001

Tools for this code

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