ACH Return Code R33

ACH Return Code R33 indicates a “Return of XCK Entry.” This return code is used when an XCK (Destroyed Check) entry is sent to a receiving bank that does not accept XCK entries. It typically occurs in check conversion scenarios and is returned by the RDFI (Receiving Depository Financial Institution) when it cannot process the transaction. 

Understanding ACH return codes helps businesses ensure proper payment formatting and avoid rejected transactions.

What Is an ACH Return Code

An ACH return code is a standardized code used within the Automated Clearing House (ACH) network to indicate why a transaction was rejected or returned by the receiving bank. These codes help the Originating Depository Financial Institution (ODFI) and the Receiving Depository Financial Institution (RDFI) talk clearly during electronic transfers. 

Each return code is designated by an "R" followed by a two-digit number, and each one corresponds to a unique reason for the return. These codes are managed by NACHA.

What Is ACH Return Code R33

In ACH payments, the ACH Return Code R33 indicates a "Return of XCK Entry." This code is used when an XCK (Destroyed Check) entry, which is part of the check conversion process, is returned because the Receiving Depository Financial Institution (RDFI) is unable to process it. 

The return could happen if the RDFI does not accept XCK entries or if the transaction was improperly formatted. This return code helps ensure that the ACH network only processes valid transactions and that payments are properly handled within the specified rules.

How to Fix ACH Return Code R33

To fix ACH Return Code R33 (Return of XCK Entry), first verify that the payment is being sent in the correct format. XCK entries are specifically for check truncation, so it’s important to confirm whether the transaction should be processed as an XCK entry. 

Also, check whether the Receiving Depository Financial Institution (RDFI) supports XCK entries. If the RDFI does not accept this type of entry, you will need to either contact the bank to clarify its processing capabilities or choose a different payment method, such as a standard ACH credit or debit. If the issue is related to entry type or formatting, make the necessary adjustments and resubmit the transaction.