Banner Bank ACH Originator Guide

R29

Corporate Entry Unauthorized: RDFI has been notified by non consumer accountholder that a specific entry is unauthorized.

CCD, CTX Two (2) Banking Days Originator must stop initiation of entries until subsequent

authorization has been obtained. If a valid authorization exists, the Originator may have recourse outside the ACH Network. Corporate Receiver with ACH Positive Pay may need to add your ACH Company ID to their filters. Originator can work with ODFI to provide more information and/or permission for the late Return of the entry. Investigate the provided authorization from the Receiver and if a valid authorization exists, the Originator may have recourse outside the ACH Network for resolution.

R31

Permissible Late Return for CCD or CTX Entry: ODFI has accepted a request from an RDFI for a Return of a CCD or CTX entry beyond the normal two-day Banking Day timeframe. Typically, the ODFI obtains additional information and/or authorization from the Originator prior to granting permission for the Return.

CCD, CTX

Undefined, determined by ODFI and RDFI

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