ACH Return Reason Codes Explained

Date:

Oct 20, 2026

Register

Take the guesswork out of ACH return reason codes.

Learn when to use which code, meet critical deadlines, and avoid costly processing errors. This webinar will provide a practical guide to ACH return reason codes, helping payments professionals process returns accurately, comply with Nacha requirements, and confidently handle exceptions, dishonored returns, and unusual time frames.

Agenda

Oct 20, 2026
3:00 pm - 4:30 pm EST

With 70 different return reason codes utilized in the ACH Network, it can be challenging to determine the most appropriate code to use in a given situation. Which return reason codes require a Written Statement of Unauthorized Debit (WSUD)? How many days do we have to process a return? What about the return reason codes that have unusual time frames that don’t fall into the standard or extended return time frames? This session will answer all these questions and more, and provide an overview of dishonored returns, contested dishonored returns, and returns that are processed by the ACH Operator or Gateway.

Topics

KEY WEBINAR TAKEAWAYS:

  • Return reason codes to use for consumer versus non-consumer ACH entries
  • Process for dishonored and contested/corrected dishonored returns
  • General return time frame and extended return time frame, as well as other time frames applicable to ACH returns

This course is eligible for 1.8 AAP/APRP credits

Speaker(s)

Kimberly Ellis, AAP, APRP
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?

  • ACH operations staff
  • ACH operations managers
Fees

Live Webinar - $279

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

On-Demand Webinar - $279

  • 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 - $379

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
Susan Clark   Silvia Regalado
Professional Development Coordinator   Professional Development Coordinator
o: 317-387-9380   o: 317-387-9380
d: 317-333-7169   d: 317-333-7170
sclark@indiana.bank   sregalado@indiana.bank