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R03

ACH Return Code R03: No Account/Unable to Locate Account

No Account/Unable to Locate

ACH Return Code R03 indicates that the account number provided does not correspond to any account at the receiving bank.

What causes R03?

The R03 return code occurs when:
- The account number was entered incorrectly
- The account number is invalid or doesn't exist
- The routing number doesn't match the account

How to resolve R03

  1. . **Verify the account information** - Double-check the account and routing numbers
  2. . **Contact the customer** - Request correct banking details
  3. . **Use account validation** - Implement real-time account verification

Prevention tips

  • Use micro-deposit verification for new accounts
  • Implement account number validation
  • Use bank account verification services

How to resolve this return code

Follow these steps to address and prevent this ACH return.

1

Review the return code.

Identify the specific reason for the return and understand what information needs to be corrected.

2

Contact the customer.

Reach out to verify or update their banking information, especially for insufficient funds or invalid account issues.

3

Retry or adjust the payment.

Once corrected, resubmit the transaction or choose an alternative payment method.

Send ACH payments with confidence

Slash provides real-time account validation, intelligent retry logic, and comprehensive analytics to help you minimize ACH returns and optimize your payment operations.

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