ACH · SIMTRACE-000004

Trace: SIMTRACE-000004 · Txn Code: 27 · Name: Simulated Frozen Account Debit

ACH Effective Date: 2026-09-09 · Status: EXCEPTION · Return Eligible: YES

Decision PAY RETURN ACH Return Reason Select return reason R01 — Insufficient Funds R02 — Account Closed R03 — No Account / Unable to Locate Account R04 — Invalid Account Number Structure R08 — Payment Stopped R16 — Account Frozen / Entry Returned per Instruction R20 — Non-Transaction Account R24 — Duplicate Entry Notes Complete Decision