ACH return reason code

R62 return code: Return of Erroneous or Reversing Debit

The ODFI dishonors the return of a debit that was itself an erroneous or reversing entry.

What R62 means

R62 is the return reason code Return of Erroneous or Reversing Debit. The ODFI dishonors the return of a debit that was itself an erroneous or reversing entry.

It is a dishonored return: the ODFI refuses a return it received and sends it back to the RDFI with R62 as the reason.

Typical causes

The ODFI dishonors the return of a debit that was itself an erroneous entry or a reversal.

Return timeframe

The ODFI transmits the dishonored return within 5 banking days after the settlement date of the return.

Banking days are the Federal Reserve’s business days: weekends and Fed holidays don’t count, so a holiday in the window pushes the deadline out by a day.

Worked example

For a return that settled on Wednesday, November 25, 2026, the day before Thanksgiving: the ODFI must transmit the dishonored return by Thursday, December 3, 2026.

Try your own settlement date in the ACH date calculator

What happens next

The RDFI reviews the dishonored return. If it disagrees, it can contest it with one of R71–R77 within 2 banking days after the dishonored return settles.
Dishonored and contested returns pass between the ODFI and the RDFI; an Originator sees them only when its ODFI passes them on.

How R62 appears in a NACHA file

A dishonored return is an entry detail record followed by one addenda record of type 99. The addenda carries R62 in positions 4–6 and the original entry’s trace number in positions 7–21, then the details of the return being dishonored (their trace numbers, settlement dates and reason codes). The layout differs from a plain return’s; the Rules give it field by field.

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

Look up R62 from code or an AI agent

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.

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/codes/R62?set=ach-return'

MCP · tools/call · lookup_payment_code

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "lookup_payment_code",
    "arguments": {
      "code": "R62",
      "set": "ach-return"
    }
  }
}

Response (JSON)

{
  "code": "R62",
  "set": "ach-return",
  "found": true,
  "matches": [
    {
      "set": "ach-return",
      "code": "R62",
      "name": "Return of Erroneous or Reversing Debit",
      "description": "The ODFI dishonors the return of a debit that was itself an erroneous or reversing entry.",
      "details": {
        "category": "dishonored",
        "timeframe": "The ODFI transmits the dishonored return within 5 banking days after the settlement date of the return",
        "timeframeKind": "banking-days",
        "timeframeDays": 5,
        "timeframeFrom": "return-settlement",
        "account": "any",
        "accountNote": null,
        "writtenStatement": false,
        "initiatedBy": "ODFI",
        "note": null,
        "effectiveFrom": null,
        "upcomingChange": null,
        "caveat": null
      }
    }
  ]
}

The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.

The deadline for a settlement date: GET /api/v1/ach/return-deadline?settlement_date=2026-11-25&code=R62 or the MCP tool ach_return_deadline.

Source: Nacha Operating Rules, Appendix Four (Return Entries). The code’s title is the Rules’ own; the rest is this site’s plain-language summary. It is informational and not a substitute for the Rules, your ACH Operator’s schedule or your ODFI agreement.