ACH Return Notification Emails

When an ACH origination is returned by the receiving bank we will reverse the funds in/out of your account (depending on type of transfer) and you will receive an email with the details of the return. Depending on the reason for return you may need to obtain additional info from your receiver and originate the transfer again.

Common ACH Return Reasons

Insufficient Funds- When attempting to collect funds from a company or person it is possible that the transfer is returned due to insufficient funds in the receivers account. If this happens you will want to originate your transfer a second time in an attempt to collect funds. When creating your additional attempts you will need to change the transfer description to begin with "RETRY PYMT". Please be aware that due to ACH rules you are only allowed 2 subsequent attempts after the initial insufficient funds return.

Incorrect Account Number- Whether you are sending or pulling funds from a company or person it is possible that the account number entered could be incorrect. If your transfer is returned for incorrect account number you will want to reach out to your receiver to obtain the correct account number, login to online banking and correct the account number on the file and originate again.

Account Closed- When pulling or sending funds from a company or person it is possible that the account number entered could be a closed account at the receiving bank. If an ACH transfer is returned for this reason you will need to reach out to your receiver to obtain a valid and active account number. You can then login to online banking to update the account number and originate the transfer again.

Stop Payment- If you have setup a transfer to pull funds from a company or person it is occasional that the receiver could place a stop payment on the transfer if the payment was sent in a different method or already paid etc. If your ACH transfer is returned for stop payment and you do not believe it should have been stopped you will need to reach out to your receiver to have them lift the stop payment at their bank. You cannot originate your transfer again until the stop payment is lifted.

When to Re Originate an ACH Origination

When your ACH transfer is returned you will receive your email notification same day. Once you receive that notification you have 180 days to submit your re origination.

How to Re Originate ACH Origination

To submit your re origination you will want to login to online banking and navigate to your ACH portal. On the main page of your portal please locate the file that you need to originate and click copy to the right hand side. When the file opens you will need to enter the effective date, edit any information if needed (description, new account number or routing number) and click complete ACH at the bottom of the page.

If you have questions regarding your ACH Origination please reach out to Digital Banking at 781-783-1701.


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