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What is ACH return code R3 (No Account/Unable to Locate Account), and how can I resolve it?

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Written by Partner Training

What is ACH Return Code R3 (No Account/Unable to Locate Account), and How Can I Resolve It?

ACH return code R3, also known as "No Account/Unable to Locate Account," is an error that occurs when the receiving financial institution is unable to locate the specified account. This issue typically arises due to incorrect account or routing number information provided during the transaction.


Common Causes of ACH Return Code R3

  • Incorrect account number entered during the transaction.

  • Incorrect routing number provided.

  • The account may have been closed or does not exist.


Steps to Resolve ACH Return Code R3

If you encounter this error, follow these steps to resolve it:

  1. Verify the Account and Routing Numbers: Double-check the account and routing numbers you provided to ensure they are accurate.

  2. Contact VeriCheck: Since this error originates on VeriCheck's end, you will need to reach out to them for further assistance. Provide them with the transaction details and any relevant information to help resolve the issue.


VeriCheck Contact Information


By contacting VeriCheck, you can address the issue and ensure the transaction is processed correctly. For additional assistance, you may also consult your financial institution to confirm the account details provided.


Related Topics

  • Understanding ACH Return Codes

  • Troubleshooting Common ACH Errors


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