Return entries

Return entries are generated by an ACH operator when data acceptance rules are violated. They are also generated by an RDFI for any reason with an appropriate return reason code specified by the ACH rules.

The pack includes examples of how to populate a return, dishonored return, and contested dishonored return entries.

After a Return is sent, the ODFI can then dishonor that return, and as one final step, the RDFI can then contest the dishonored return. These have different reason codes and thus are defined separately in the type trees. The names for the groups that define the format of a batch or returns, dishonored returns, and contested dishonored returns are not abbreviated, and thus appear in the type tree as
  • Returns
  • DishonoredReturns
  • ContestedDishonoredReturns

In the partitioned group, Batch Group, there are different formats for the returns that are related to cross border entries. For this reason, the following groups are also defined in the ACH type trees.