ACH Return Code R12

The ACH return code R12 means a banking transaction was returned. This happens when the bank branch holding the account is sold to another financial institution.

For those dealing with ACH payments, this code shows the need to follow NACHA rules. Everyone involved must handle these codes correctly to keep banking smooth.

What Is an ACH Return Code

An ACH return code is a standard code for payments that don't go through. With over 80 codes, each one shows why a payment was returned. This helps track and manage transactions better.

ACH return codes help banks talk to each other and fix payment problems faster. Knowing these codes makes handling ACH payments easier and quicker.

These codes help the Originating Depository Financial Institution (ODFI) and the Receiving Depository Financial Institution (RDFI) talk clearly during electronic transfers.

What Is ACH Return Code R12

ACH Return Code R12 means a transaction is being undone because the branch where the customer's account is kept has been sold. This is to another Depository Financial Institution (DFI).

Seeing an ACH R12 code means the old bank might get payments meant for the new branch. But, it can't handle the account anymore. This usually happens after banks merge or get bought out.

How to Fix ACH Return Code R12

Fixing the R12 code needs quick action and careful steps. First, reach out to your customer for their new account and routing info. This is because the bank's change might have updated these details.

After getting the new info, create a new transaction. Don't try to resubmit the old one. This can cause more problems with the money transfer. If it's a recurring payment, update it with the new account details.