ACH Return Code R50: State Law Affecting RCK Acceptance

The R50 return code can be returned on consumer accounts. An ACH R50 return code indicates that a RCK (Re-presented Check Entry) cannot be processed because applicable state law prohibits or restricts the electronic re-presentment of the original paper check.

This return code applies specifically to RCK entries and is not used for standard ACH credits or debits. The Receiving Depository Financial Institution (RDFI) must return an R50 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 R50

Code R50 means the ACH entry was returned due to state law restrictions affecting RCK entries. RCK (Re-Presented Check Entry) allows electronic re-deposit of a bounced check—specifically, one that was returned due to non-sufficient funds. This return may have occurred because:

The receiving bank is located in a state that does not permit RCK entries. Some states have not adopted the relevant provisions of state law required to allow check re-presentment via ACH.
The bank's customer agreements do not allow RCK transactions. Even if state law permits RCK entries, the financial institution may not have updated its customer agreements to support them.

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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How to resolve this return code

Follow these steps to address and prevent this ACH return.

Do not retry as an RCK entry.

The receiving bank or state law does not support re-presented check entries.

Identify an alternative payment method.

Work with the receiver to use a standard ACH debit with a different SEC code or another non-ACH payment option.

Consult your payment provider if needed.

If check re-presentment is required, determine whether RCK entries are supported for the receiver's bank and location before attempting another transaction.