Webinar: ACH Return Reason Codes Explained
November 25, 2025 3:00 pm - 4:30 pm
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.
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
WEBINAR DETAILS
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.
WHO SHOULD ATTEND?
This session is ideal for both frontline and ACH operations staff who are newer to their role, or experienced staff looking for a refresher on the fundamentals of return reason codes.
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
Speaker: 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.