Fix Return Codes In X9/ICL Files Now

This list is abstracted from the document X9.100-187–2013 - Electronic Exchange of Check and Image Data, Developed by Accredited Standards Committee X9, Incorporated Financial Industry Standards and published by ANSI - American National Standards Institute.  Several new return codes become effective on December 20, 2014 and are indicated as such in the tables.

The tables below identify all return Reason Codes used in this standard. Some return reason codes and descriptions are used for both Customer/Monetary and Administrative returns and have the same meaning. Return Reason codes are indicated in the Return Record (Type 31), and in the Return Addendum D Record (Type 35). The Return Reason may also be carried on a Check Detail Addendum C Record (Type 28) associated with a previously returned and represented item.

There are two codes (‘I’ and ‘Q’) that are used in both Customer/Monetary and Administrative returns with different meanings.

Customer / “Monetary” Returns

A Customer Return code distinguishes to the presenting bank the reason for non-payment when an item is dishonored. Customer / “Monetary” Returns items are usually charged to a customer account. Examples are NSF, stop pay, closed account, etc.

The following return codes are used when the Returns Indicator (Field 14) in Cash Letter Header Record (Type 10) is equal to ‘R’.

Administrative Returns

An Administrative Return (“Reason”) code distinguishes to the presenting bank an item returned for reasons other than a dishonored item. Administrative Return items are usually handled internally by the presenting bank rather than being charged to a customer. These types of items can also be handled through the adjustment process. Examples include poor quality image, ineligible items, etc.

The following return codes are used when the Returns Indicator (Field 14) in Cash Letter Header Record (Type 10) is equal to ‘E’.