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How can I tell if my client's EFT account is on the "Known Bad" list?

Depending on how Forte receives the transactions, various response codes may be returned for EFT accounts on the "Known Bad" list:

  • Real-Time Integrations (AGI, SWP, or Virtual Terminal) and ATMVerify Transactions via Batch File Transmission - Transaction will be declined with a U02: ACCOUNT NOT APPROVED error message.
  • Batch File Transmission (Direct Billing, Transporter, or any software uploading a file containing a transaction) - Transaction will be approved for processing and returned on the origination date with one of the following error messages:
    • R02: ACCOUNT CLOSED
    • R03: NO ACCOUNT/UNABLE TO LOCATE ACCOUNT
    • R04: INVALID ACCOUND NUMBER
    • R13: RDFI NOT QUALIFIED TO PARTICIPATE
    • R28: ROUTING NUMBER CHECK DIGIT ERROR

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