ACH Return Code R76

ACH Return Code R76, or “No Errors Found”, indicates that a previously reported error in an ACH transaction could not be confirmed upon investigation. In other words, no errors were found, and the original transaction is considered valid. 

This code helps ensure that only legitimate issues lead to returns or adjustments.

What Is an ACH Return Code

In ACH payments, return codes are standardized responses that explain why a transaction couldn't be processed. 

These codes provide clarity for both the Originating Depository Financial Institution (ODFI) and the Receiving Depository Financial Institution (RDFI), outlining the specific reason for the return. 

Governed by NACHA (the National Automated Clearing House Association), these codes follow consistent rules and standards to ensure smooth communication and efficient issue resolution. Common causes for ACH returns include insufficient funds, closed or invalid accounts, incorrect routing information, or unauthorized transactions.

What Is ACH Return Code R76

ACH Return Code R76, labeled "No Errors Found," is used when a financial institution investigates a disputed ACH transaction and determines that the original entry was correct. This code essentially means that after reviewing the claim—such as an alleged duplicate entry or error—no issue was identified, and the transaction is considered valid. 

R76 is typically used in response to a dishonored return or a contested reversal, signaling that the RDFI or ODFI found no basis for the original return.

How to Fix ACH Return Code R76

Fixing ACH Return Code R76 typically involves reviewing the original transaction and any related return or dishonored return to ensure all details were submitted correctly. Since R76 indicates that no errors were found, there may be no further action required unless the originator still believes an issue exists. 

In that case, they should gather supporting documentation and communicate directly with the receiving bank to clarify the situation.