Status responses and error codes
This page contains the status responses and error codes for Automated Clearing House (ACH).
Status responses
A status response indicates the status of a payment. A sub-status response provides further information about the status of a payment.
The following table contains all the status responses, sub-status responses, and their descriptions for ACH.
Status |
Sub-status |
Description |
|---|---|---|
|
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Payment has been accepted for further processing. |
PROCESSING |
PENDING_JPM_REVIEW |
Payment is under review / on hold and waiting for a J.P. Morgan team to perform an action or review. |
|
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Payment instruction has been rejected for further processing by J.P. Morgan this is a terminal state. |
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Payment instruction has been rejected by a clearinghouse, network, or correspondent bank. |
|
|
|
Payment instruction has been fully processed by J.P. Morgan applications and money has been moved inside J.P. Morgan accounts. |
|
|
The payment was returned by an external party, such as a clearinghouse or beneficiary bank. |
Error codes
An error code identifies the reason that a request resulted in an error.
The following tables contain all the possible error codes and their descriptions for ACH:
| Error code | Error description | External / rail codes |
|---|---|---|
| 11001 | Account number is invalid or missing. |
|
| 11004 | The specified account number has been closed on the bank’s books. |
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| 11006 | The specified account is blocked, prohibiting the posting of transactions to it. |
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| 11017 | Transaction is forbidden on this type of account. |
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| 11018 | Bank operation code specified in the message is not valid for the receiver. |
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| 11019 | Transaction type is not supported/authorized on this account creditor account does not accept wire transfers. |
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| 11023 | Debtor account cannot be debited for a generic reason. |
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| 11031 | End-customer identification is not consistent with the associated account number. |
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| 11034 | The specified end customer is not known at the associated Sort/National Bank Code, or no longer exists on the books. |
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| 11065 | Creditor or creditor’s agent should not have collected the direct debit. |
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| 11067 | End customer is deceased. |
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| 11506 | Available funds are insufficient to cover the specified message amount. |
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| 11507 | Duplicate. |
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| 11509 | Amount specified in the message has been blocked by regulatory authorities. |
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| 11513 | Amount is invalid or missing. |
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| 11536 | Identification code is missing or invalid. |
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| 11569 | An authorized user has canceled the order. |
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| 11576 | Invalid date (e.g., wrong or missing settlement date). |
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| 11590 | Settlement of the transaction has failed. |
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| 11595 | Syntax error reason is provided as narrative information in the additional reason information. |
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| 11602 | Cheque number is missing or invalid. |
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| 11614 | Reason is provided as narrative information in the additional reason information. |
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| 11616 | Bank Identifier Code specified in the message has an incorrect format. |
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| 11617 | Bank identifier is invalid or missing. |
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| 11619 | Creditor bank identifier is invalid or missing. |
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| 11623 | ClearingSystemMemberIdentifier is invalid or missing. |
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| 11631 | Debtor account or unique identification required for regulatory reasons is insufficient or missing. |
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| 11634 | JPM debtor party information is not FATF-compliant (regulatory reason). |
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| 11637 | Remittance information structure does not comply with rules for the payment type. |
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