R53 return code: Item and RCK Entry Presented for Payment

R53 is the return reason code Item and RCK Entry Presented for Payment. Both the RCK entry and the original item were presented for payment.

RCK (re-presented check) entries.

It is sent by the RDFI as a return entry: the original entry goes back to the ODFI with an addenda record carrying R53, and the ODFI passes the return on to the Originator.

• Both the RCK entry and the original check were presented for payment, so the account was charged twice.

Extended return: available to the ODFI by opening of business on the banking day after the 60th calendar day following the settlement date of the original entry.

The extended window needs the Receiver’s Written Statement of Unauthorized Debit: a signed or similarly authenticated statement the Receiver gives the RDFI. The RDFI must have it before returning the entry and keeps it, providing a copy to the ODFI on request. Since October 1, 2024 the RDFI must also send the return by the opening of the sixth banking day after it finishes reviewing the statement, so a return can be due well before the 60 days run out.

Corporate accounts have no 60-day window for unauthorized debits: a business disputes one with R29 within 2 banking days.

• Don’t present the check again, and settle the double charge with the Receiver.

A return is the original entry detail record (type 6) sent back with a return transaction code — 21 or 26 for a checking account, 31 or 36 for savings (21 and 31 return a credit, 26 and 36 a debit) — the original amount, and an addenda record of type 99 that carries the reason. The batch keeps the original entry’s SEC code.

To read a return file record by record, open the file in NACHA Navigator, a free sister site that parses NACHA files in your browser without uploading them.

The code table on this page is the one behind the REST API and the MCP server, so a script or an AI agent gets the same answer as JSON. No key and no account.

curl -s 'https://payopskit.com/api/v1/codes/R53?set=ach-return'

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "lookup_payment_code",
    "arguments": {
      "code": "R53",
      "set": "ach-return"
    }
  }
}

{
  "code": "R53",
  "set": "ach-return",
  "found": true,
  "matches": [
    {
      "set": "ach-return",
      "code": "R53",
      "name": "Item and RCK Entry Presented for Payment",
      "description": "Both the RCK entry and the original item were presented for payment.",
      "details": {
        "category": "return",
        "timeframe": "Extended return: available to the ODFI by opening of business on the banking day after the 60th calendar day following the settlement date of the original entry",
        "timeframeKind": "calendar-days",
        "timeframeDays": 60,
        "timeframeFrom": "original-settlement",
        "account": "consumer",
        "accountNote": "RCK (re-presented check) entries.",
        "writtenStatement": true,
        "initiatedBy": "RDFI",
        "note": "RCK only",
        "effectiveFrom": null,
        "upcomingChange": null,
        "caveat": "A Written Statement of Unauthorized Debit from the Receiver is required for this extended return. Since October 1, 2024 the RDFI must also send the return by the opening of the 6th banking day after it finishes reviewing the signed statement, still inside the 60-day window; check the Rules for details and exceptions."
      }
    }
  ]
}

The deadline for a settlement date: GET /api/v1/ach/return-deadline?settlement_date=2026-11-25&code=R53 or the MCP tool ach_return_deadline.

• R51RCK Item Ineligible/Improper
• R52Stop Payment on RCK Item
• R37Source Document Presented

SEC codes involved: RCK.

All ACH return codes, R01 to R85