R74 return code: Corrected Return

R74 is the return reason code Corrected Return. The RDFI contests a dishonor by correcting the errors in its original return.

It is a contested dishonored return: the RDFI disputes the ODFI’s dishonor of its return and sends it back with R74 as the reason.

• The RDFI contests a dishonor for field errors (R69) by correcting the errors in its original return.

The RDFI transmits the contested dishonored return within 2 banking days after the settlement date of the dishonored 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.

• The ODFI reviews the contested dishonored return; how any remaining disagreement is resolved between the two banks is up to the Rules and their agreements.

A contested dishonored return is an entry detail record followed by one addenda record of type 99. The addenda carries R74 in positions 4–6 and the original entry’s trace number in positions 7–21, then the details of the return and the dishonored return being contested (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 contested 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.

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/R74?set=ach-return'

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "lookup_payment_code",
    "arguments": {
      "code": "R74",
      "set": "ach-return"
    }
  }
}

{
  "code": "R74",
  "set": "ach-return",
  "found": true,
  "matches": [
    {
      "set": "ach-return",
      "code": "R74",
      "name": "Corrected Return",
      "description": "The RDFI contests a dishonor by correcting the errors in its original return.",
      "details": {
        "category": "contested",
        "timeframe": "The RDFI transmits the contested dishonored return within 2 banking days after the settlement date of the dishonored return",
        "timeframeKind": "banking-days",
        "timeframeDays": 2,
        "timeframeFrom": "dishonored-return-settlement",
        "account": "any",
        "accountNote": null,
        "writtenStatement": false,
        "initiatedBy": "RDFI",
        "note": null,
        "effectiveFrom": null,
        "upcomingChange": null,
        "caveat": null
      }
    }
  ]
}

The deadline for a settlement date: GET /api/v1/ach/return-deadline?settlement_date=2026-11-25&code=R74 or the MCP tool ach_return_deadline.

• R69Field Error(s)
• R76No Errors Found

All ACH return codes, R01 to R85