ACH Return Code R13: Invalid ACH Routing Number

R13: Invalid ACH Routing Number

The ACH R13 can return on either a consumer or non-consumer account. Return code R13 indicates that the routing transit number is not a valid ACH routing number, or the financial institution is not an ACH participant. The Receiving Depository Financial Institution (RDFI) must return an R20 entry within 2 banking days of settlement.

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What is an ACH 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 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.

What Does R13 Mean?

ACH return code R13 means that the routing number either doesn't exist, is formatted incorrectly, or it belongs to a financial institution that is not enrolled as an ACH

Why you're seeing ACH Return Code R13

Code R13 means the routing number provided for the ACH entry is not valid. This may have occurred because:

• The routing number was entered incorrectly. A missing or incorrect digit caused the routing number to fail validation.
• The routing number is not enabled for ACH. Some routing numbers printed on checks (ABA routing numbers) are valid for paper checks but not for ACH transactions.
• The routing number is outdated or inactive. The bank or branch associated with the routing number is no longer valid for ACH processing.

Sending ACH Payments with Slash

You can send domestic or international ACH payments using Slash by following these steps:

1. Navigate to the Payments dashboard and click Transfer Funds in the top-right corner.
2. Select a recipient using saved contact and banking information, or add a new recipient by entering their contact and bank details.
3. 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).
4. 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.
5. Review the recipient's bank name, account number, and ACH routing number to ensure the payment details are correct.
6. 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.