The R35 return code can be returned on consumer and non-consumer accounts. An ACH R35 return code indicates that a debit entry is being returned because it was improperly initiated or does not comply with the NACHA Operating Rules. This return code is used when a return entry itself is improper, such as when an unauthorized or otherwise invalid debit was transmitted in error.
This return code is not restricted to a particular SEC code or account type. The Receiving Depository Financial Institution (RDFI) must return an R35 entry within 2 banking days of settlement.
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What is an ACH Return Code?
An ACH return code is a standardized code used to explain why an Automated Clearing House (ACH) transaction was returned by the receiving bank.
Codes are issued by the Receiving Depository Financial Institution (RDFI) and maintained by Nacha, the organization that governs the ACH Network. Certain codes may apply to consumer accounts, non-consumer (business) accounts, or both. These codes help banks, payment processors, and originators understand what went wrong during an ACH transaction so they can determine the appropriate next steps, such as retrying the payment, correcting information, or contacting the customer.
Why you're seeing ACH Return Code R35
Code R35 means the ACH debit entry was not permitted for the type of account or transaction involved. This return may have occurred because:
- Debit entries are not allowed for the SEC code used. Certain Standard Entry Class (SEC) codes, such as CIE, do not permit debit transactions.
- The debit was sent to an account that does not accept ACH debits. ACH debits can only be sent to transaction-enabled checking or savings accounts. Loan, credit card, escrow, and other restricted accounts generally cannot be debited through the ACH Network.
Sending ACH Payments with Slash
You can send domestic or international ACH payments using Slash by following these steps:
- Navigate to the Payments dashboard and click Transfer Funds in the top-right corner.
- Select a recipient using saved contact and banking information, or add a new recipient by entering their contact and bank details.
- Choose the Slash account you want to use as the payment source, select ACH Transfer as the payment method, choose the destination bank account, and enter the payment amount (in USD).
- Optionally, send the recipient an email confirmation with a payment description. You can also add a memo with internal notes that are visible only to you and other Slash account administrators.
- Review the recipient's bank name, account number, and ACH routing number to ensure the payment details are correct.
- Once all information is confirmed, click Send Payment.
Slash offers 24/7 support by phone and email to help resolve any issues with sending payments. You can also improve how you manage ACH transfers by scheduling recurring ACH payments, receiving low-balance notifications, and tracking returned payments alongside other transactions. With Slash, you can view all account balances, ACH activity, and transfers in one centralized dashboard.
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