Invalid ACH Routing Number
Category: Account & routing Initiated by: RDFI
Applies to (SEC scope)
ALL
camt.053 mapping
RC08 — Invalid Clearing System Member Identifier
Reinitiation
Restricted — permitted only within the Rules’ limits
Nacha's definition
Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number.
Verbatim from Nacha — ISO 20022 Guide to Mapping U.S. ACH Return Items and Notifications of Change, August 2023, Version 2.01 (Table 1, return reason codes) (return reason code table). Applies to: ALL.
How it appears in an ISO 20022 statement
Nacha's mapping guide maps R13 to camt.053 reason code RC08 (Invalid Clearing System Member Identifier) — ISO definition: ClearingSystemMemberidentifier is invalid or missing. Generic usage if cannot specify between debit or credit account
Return time frame
Nacha's public rule pages refer to the standard "two-day" return time frame for returns that are not extended (unauthorized) returns. The governing time limit for this code is set in the Nacha Operating Rules, which Nacha sells and which were not used here, so it is not restated.
Can the entry be reinitiated?
Nacha's reinitiation rule page allows reinitiation "to correct administrative errors", with fields other than Company Name, Company ID and Amount modified only to the extent necessary. A corrected resubmission of a returned debit is therefore treated as a reinitiation, within the Rules' limits and carrying RETRY PYMT. Nacha's reinitiation rule addresses returned debits; a returned credit falls outside it.
correct the field the RDFI identified, and code the resubmission correctly.
What an operator does next
The routing number is not a valid ACH routing number. Validate routing numbers against a current directory before origination; this is a data-quality control, not a Receiver problem.
PaymentBrief guidance, not Nacha text. Your ODFI's procedures and the current Nacha Operating Rules govern.
Where this comes up on PaymentBrief
Sources for this code
- Nacha — ISO 20022 Guide to Mapping U.S. ACH Return Items and Notifications of Change, August 2023, Version 2.01 (Table 1, return reason codes) — nacha-mapping-guide, retrieved 2026-09-06
- Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries) — nacha-rule-page, retrieved 2026-09-06