ACH Return Reason Codes Explained

Date:

Nov 25, 2025

Register

Did you know the ACH Network has 70 return reason codes?!

Which gets used when? Which timeframe applies? What are the processes for dishonored and corrected returns? Change uncertainty to confidence with this answer-infused webinar.

Agenda

November 25, 2025
11:00am - 12:30pm EST

With 70 different return reason codes used in the ACH Network, it can be challenging to stay on top of the most appropriate return reason code for a given situation. Which return reason codes require a WSUD? How many days do you have to process a return? What about the return reason codes that have unusual timeframes that don’t fall into the standard or extended return timeframes? This session will answer all these questions and more, including an overview of dishonored returns, contested dishonored returns, and returns that are processed by the ACH operator or gateway.

Topics

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Use the most appropriate return reason code to process an ACH return
  • Identify the return reason codes to use for consumer versus non-consumer ACH entries
  • Define your financial institution’s procedures to include the requirements of a Written Statement of Unauthorized Debit (WSUD) for the return reason codes for which it is required
  • Explain the process for dishonored and contested/corrected dishonored returns
  • Understand the general return timeframe and the extended return timeframe, as well as other timeframes applicable to ACH returns
Speaker(s)

Kimberly Ellis
UMACHA

Kimberly Ellis is the Director of Education Services for UMACHA where she provides training and support for financial institutions in the areas of payments and risk management. She graduated from Western Illinois University with a Bachelor of Arts degree in Economics. She holds the Accredited ACH Professional (AAP), Accredited Payments Risk Professional (APRP), and National Check Professional (NCP) Certification. She spent 17 years working in community banks in Southeast Iowa before joining UMACHA in 2020. She has experience working with deposit operations and compliance, risk management, and support for corporate ACH originators.

Additional Information

WHO SHOULD ATTEND?

This informative session is designed for credit analysts, loan officers, credit management executives, and anyone seeking more information on AI usage in credit analysis.

TAKE-AWAY TOOLKIT

  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Fees

Live Webinar - $255

  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions

On-Demand Webinar - $255

  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions

Live + On-Demand - $375

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact

Katie Yates
Education Coordinator
o: 317-387-9380
d: 317-333-7162
kyates@indiana.bank