<strong>ACH Reason Codes: R93 Invalid ACH Routing Number</strong>

ACH stands for Automated Clearing House, the network that transfers funds between banks and other financial institutions. ACH routing numbers are required to make payments via ACH, and they are usually nine digits long and are found on the account holder’s checks. However, sometimes the ACH routing number may be invalid, and when this occurs, the transaction is rejected with a reason code R93. This article will explain an ACH routing number, why code R93 occurs, common causes of reason code R93, and how to troubleshoot an invalid ACH routing number with reason code R93.

Table of contents

• What is an ACH Routing Number?
• What is a Reason Code R93?
• Common Causes of Reason Code R93
• How to Troubleshoot an Invalid ACH Routing Number with Reason Code R93
  • Step 1: Check for typos or other errors
  • Step 2: Contact your financial institution
  • Step 3: Verify the bank account details
  • Step 4: Verify the ACH network
  • Step 5: Submit the transaction again
• Conclusion

What is an ACH Routing Number?

An ACH routing number is a nine-digit code the National Automated Clearing House Association (NACHA) assigns to a financial institution. This code is used to identify the institution when conducting ACH transactions, and it typically consists of a combination of digits and letters. The ACH routing number can be found on the bottom of a check and the account holder’s statement.

What is a Reason Code R93?

Reason code R93 is an error code received when an ACH transaction is rejected due to an invalid ACH routing number. This code indicates that the routing number provided is invalid, and the transaction cannot be completed.

Common Causes of Reason Code R93

There are several common causes of the reason code R93. The most common cause is that the ACH routing number provided needs to be corrected or entered correctly. This could be due to a typo or a mistake when entering the number. Another common cause is that the bank account has been closed or is no longer active, and the routing number is no longer valid. Finally, the ACH network may not support the ACH routing number.

How to Troubleshoot an Invalid ACH Routing Number with Reason Code R93

If you receive a reason code R93 when attempting to complete an ACH transaction, you can take a few steps to troubleshoot the issue.

Step 1: Check for typos or other errors

The first step is double-checking the ACH routing number for typos or other errors. This can be done by comparing the number you entered to the number on the account holder’s check or statement. If you find any errors, you should make the necessary corrections and try to submit the transaction again.

Step 2: Contact your financial institution

You should contact your financial institution if the ACH routing number is correct and you still receive a reason code R93. They can help you determine if the problem is with the ACH network or with the bank account information.

Step 3: Verify the bank account details

You should also verify the bank account details to match the account holder’s statement information. This includes the bank name, account number, and ACH routing number.

Step 4: Verify the ACH network

The next step is to verify that the ACH network is compatible with the financial institution. This can be done by checking with your financial institution or the ACH network provider.

Step 5: Submit the transaction again

Once all the information has been verified, you can resubmit the transaction. Contact your financial institution for further assistance if the transaction is still rejected.

Conclusion

An ACH routing number is required to make payments via ACH, and a reason code R93 is received when an ACH transaction is rejected due to an invalid ACH routing number. There are several common causes of the reason code R93, including typos or other errors, a closed or inactive bank account, and an ACH network that is not supported. To troubleshoot an invalid ACH routing number with reason code R93, check for typos or other errors, contact your financial institution, verify the bank account details, verify the ACH network, and submit the transaction again. By following these steps, you should be able to resolve the issue and complete the ACH transaction.