Override ACH Declined when entering New Banking information

At the bottom is a list of reasons you may see a checking account get declined for an ACH payment.

Some of the reasons you can override, if so you will see the message below detailing why declined and a warning message to make sure you have good reason to believe the account is legitimate and make sure you verify the account info twice.

Sometime the consumer does not really listen and just says uh-huh to whatever you say. IF YOU SEE THE MESSAGE ABOVE, INFORM THEM "MY SYSTEM TELLS ME I MAY HAVE THE ACCOUNT INFO WRONG", REPEAT IT CAREFULLY AND MAKE SURE IT IS CORRECT!!!

Below is list of reasons that can cause it to be declined and details which reasons you can override.

Code

Description

Approved

Can Override

GN05

Unassigned Routing Number – The routing number supplied is reported as not assigned to a financial institution.

False

False

GP01

Private Bad Checks List – The account was found as active in your Private Bad Checks List

False

False

GS01

Invalid Routing Number – The routing number supplied did not match the format of a valid routing number.

False

False

GS02

Invalid Account Number – The account number supplied did not match the format of a valid account number.

False

False

GS03

Invalid Check Number – The check number supplied did not match the format of a valid check number.

False

False

GS04

Invalid Amount – The amount supplied did not match the format of a valid amount.

False

False

ND01

No positive or negative information has been reported on the account. This routing number can only be valid for US Government financial institutions. Please verify this item with its issuing authority

False

True

RT00

No Information Found – The routing number appears to be accurate; however, no positive or negative information has been reported on the account. Please contact customer to ensure that the correct account information was entered.

False

True

RT01

Declined – This account should be returned based on the risk factor being reported.

False

True

RT02

Reject Item – This item should be rejected based on the risk factor being reported.

False

True

RT03

Accept With Risk – Current negative data exists on this account. Accept transaction with risk. (Example: Checking /Savings Account in NSF Status, recent returns, or outstanding items)

False

True

RT04

Non-Demand Deposit Account – This is a Non-Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity or a Brokerage check.

False

False

Sitemap

Code	Description	Approved	Can Override
GN05	Unassigned Routing Number – The routing number supplied is reported as not assigned to a financial institution.	False	False
GP01	Private Bad Checks List – The account was found as active in your Private Bad Checks List	False	False
GS01	Invalid Routing Number – The routing number supplied did not match the format of a valid routing number.	False	False
GS02	Invalid Account Number – The account number supplied did not match the format of a valid account number.	False	False
GS03	Invalid Check Number – The check number supplied did not match the format of a valid check number.	False	False
GS04	Invalid Amount – The amount supplied did not match the format of a valid amount.	False	False
ND01	No positive or negative information has been reported on the account. This routing number can only be valid for US Government financial institutions. Please verify this item with its issuing authority	False	True
RT00	No Information Found – The routing number appears to be accurate; however, no positive or negative information has been reported on the account. Please contact customer to ensure that the correct account information was entered.	False	True
RT01	Declined – This account should be returned based on the risk factor being reported.	False	True
RT02	Reject Item – This item should be rejected based on the risk factor being reported.	False	True
RT03	Accept With Risk – Current negative data exists on this account. Accept transaction with risk. (Example: Checking /Savings Account in NSF Status, recent returns, or outstanding items)	False	True
RT04	Non-Demand Deposit Account – This is a Non-Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity or a Brokerage check.	False	False