Return an ACH

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Prerequisites

To return an ACH transaction, you need:

• Access to the Treasury Prime Console
• Permissions for ACH operations
  • Role must be Banker Admin or Banker Payment Reviewer
• Valid ACH transaction ID
  • The ACH must be in a returnable status (see below)
• Return code information
  • Know the appropriate ACH return code that matches the reason for the return

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What makes an incoming ACH returnable

Return an incoming ACH in the Treasury Prime Console when all of the following conditions are met:

• Status is Done: The incoming ACH has completed processing and is in a done status in the Treasury Prime Console
• Within the return window: The Receiving Depository Financial Institution (RDFI) has 1 business day from the effective date to issue a return for incoming ACH transfers
• Feature is enabled: Incoming ACH returns must be enabled for your organization. Contact your relationship manager if this feature is not yet available
• Account is eligible: The receiving account must be in an open status (business or consumer)

Once an incoming ACH moves past the return window or has already been returned, it is no longer eligible for return.

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How to return an incoming ACH

Return an incoming ACH when you need to send funds back to the originator.

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1. Navigate to the incoming ACH transaction

1. Log into the Treasury Prime Console
2. Click Payments in the left navigation menu
3. Select ACH from the payments submenu
4. Find and click the incoming ACH transaction you want to return

Note: You can also navigate directly to an incoming ACH transaction by clicking the Search icon (magnifying glass) in the top right corner of the screen. Paste the ACH ID (e.g., inach_1234567890abcde) into the search bar, then select the matching result to open the incoming ACH transaction detail page.

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2. Open the return dialog

1. On the incoming ACH transaction detail page, locate the Done button in the top right corner
2. Click the dropdown arrow next to the Done button
3. Select Return Incoming ACH from the dropdown menu
4. The return dialog appears

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3. Select return code

Complete the following required field:

• Return Code: Select the appropriate ACH return code from the dropdown that matches the reason for returning the transaction (e.g., R01 - Insufficient Funds, R02 - Account Closed, R03 - No Account)

Note: The return code determines how the return is processed and may affect fees or customer notifications. Select the code that accurately reflects the reason for the return.

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4. Confirm the return

1. Review the selected return code to ensure it’s correct
2. Click Continue to proceed with returning the incoming ACH
3. Treasury Prime’s technology processes the ACH return immediately

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How to mark an outgoing ACH as returned

Mark an outgoing ACH as returned when the recipient’s bank has returned the ACH to you.

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1. Navigate to the outgoing ACH transaction

1. Log into the Treasury Prime Console
2. Click Payments in the left navigation menu
3. Select ACH from the payments submenu
4. Find and click the outgoing ACH transaction that was returned

Note: You can also navigate directly to an ACH transaction by clicking the Search icon (magnifying glass) in the top right corner of the screen. Paste the ACH ID (e.g., ach_1234567890abcde) into the search bar, then select the matching result to open the ACH transaction detail page.

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2. Open the return dialog

1. On the ACH transaction detail page, locate the status button in the top right corner (e.g., Sent)
2. Click the dropdown arrow next to the status button
3. Select Mark ACH as Returned from the dropdown menu
4. The “Mark ACH as Returned” modal dialog appears

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3. Select return code

Complete the following required field:

• Return Code: Select the appropriate ACH return code from the dropdown that matches the reason the recipient returned the transaction (e.g., R01 - Insufficient Funds, R02 - Account Closed, R03 - No Account)

Note: The return code determines how the return is processed and may affect fees or customer notifications. Select the code that accurately reflects the reason for the return.

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4. Confirm the return

1. Review the selected return code to ensure it’s correct
2. Click Continue to proceed with marking the ACH as returned
3. Treasury Prime’s technology processes the ACH return immediately

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Monitoring ACH return status

Treasury Prime’s technology processes ACH returns immediately upon confirmation. You can monitor the action by:

• Viewing the ACH transaction detail page to confirm the status has changed to “Returned”
• Checking the transaction history in the originating or receiving account
• Reviewing the ACH details section for the return code

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Troubleshooting

Common issues and solutions:

• “Return Incoming ACH” option not available: The incoming ACH may not be in a returnable state. Verify the ACH is in done status and the effective date is within the return window (1 business day for standard returns). Also verify your role has the required permissions. Only users with the Banker Admin or Banker Payment Reviewer role can return ACH transactions.
• “Mark ACH as Returned” option not available: The outgoing ACH may not be in a returnable state. Verify the ACH status is eligible for returns (e.g., sent). Some ACH transactions cannot be returned after certain processing stages. Also verify your role has the required permissions. Only users with the Banker Admin or Banker Payment Reviewer role can mark ACH transactions as returned.
• Return code dropdown is empty: Contact Treasury Prime support for assistance with return code configuration or if return codes are not loading properly.
• Return failed to process: Contact Treasury Prime support for assistance with failed ACH returns.