ACH Return Reason Codes Explained

Operations Deposit Account Compliance ACH & Card Services

On-Demand Webinar

StreamedOct 20, 2026Duration90 minutes

Unlimited & shareable access starting two business days after live stream
Available on desktop, mobile & tablet devices 24/7
Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

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Take the guesswork out of ACH return reason codes.

Learn when to use which code, meet critical deadlines, and avoid costly processing errors. This webinar will provide a practical guide to ACH return reason codes, helping payments professionals process returns accurately, comply with Nacha requirements, and confidently handle exceptions, dishonored returns, and unusual time frames.

KEY WEBINAR TAKEAWAYS

Return reason codes to use for consumer versus non-consumer ACH entries
Process for dishonored and contested/corrected dishonored returns
General return time frame and extended return time frame, as well as other time frames applicable to ACH returns

This course is eligible for 1.8 AAP/APRP credits

WEBINAR DETAILS

With 70 different return reason codes utilized in the ACH Network, it can be challenging to determine the most appropriate code to use in a given situation. Which return reason codes require a Written Statement of Unauthorized Debit (WSUD)? How many days do we have to process a return? What about the return reason codes that have unusual time frames that don’t fall into the standard or extended return time frames? This session will answer all these questions and more, and provide an overview of dishonored returns, contested dishonored returns, and returns that are processed by the ACH Operator or Gateway.

WHO SHOULD ATTEND?

ACH operations staff
ACH operations managers

TAKE-AWAY TOOLKIT

Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.