R09: Uncollected Funds
The balance exists on paper but has not cleared yet.
| Code | R09 |
|---|---|
| Official reason | Uncollected Funds |
| Applies to | Debit entries |
| Return deadline | 2 banking days |
What R09 means
The account's ledger balance would cover the debit, but enough of it is still on hold from uncleared deposits that the available balance would not. Different from R01, where there is simply not enough money.
What to do next
Debit-side only. Re-presenting after a few days often succeeds, since the underlying deposits clear in the meantime.
Can this happen on a file from this generator?
No. This generator writes ACH credits only — money leaving your account — and R09describes a debit being pulled from someone else's account. If you received R09, it came from a debit originated elsewhere. See supported formats for what the generator does and does not produce.
Other return codes
R01, R02, R03, R04, R06, R07, R08, R10, R11, R16, R17, R20, R23, R29. The full list includes every code from R01 to R33.