R74 - Corrected Return

What this code means

CONTESTED DISHONORED RETURN (RDFI -> ODFI). The RDFI is re-sending a return that the ODFI dishonored (e.g. via R69 for field errors), this time with the errors corrected.

Typical causes

• RDFI accepted the ODFI's R69/R61 dishonor and fixed the offending field
• Corrected routing or amount data supplied on a second attempt
• Trace number corrected after an R69

What to do

Bank-to-bank contest code. Contested dishonored returns must be transmitted within 2 banking days of the settlement date of the dishonored 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.

799R74091000010000001      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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