Overview:
When a Receiver (account holder) at the RDFI states they have an ACH Entry that is unauthorized, the RDFI will comply with the request and by following the NACHA Operating Rules, send the Entry back as an unauthorized Return Entry. Specific Rules are outlined for this process during this 90-minute session with examples of how and what these changes will mean to the RDFI, the ODFI and the Originator of the ACH Entry being returned.

Details on newly approved changes and options when doing ACH Returns for questionable items that don’t post and for unauthorized Entries, based on the specific detailed “reason” for the unauthorized Return Entry.

Differentiating between the specific reasons for sending an unauthorized Entry (using R10 or R11) is crucial when sending the right message back to the Originating company to help them further identify the specifics of “why” the Entry is being returned.