Item and RCK Entry Presented for Payment
Category: Check conversion & RCK Initiated by: RDFI
Read reinitiation conditions and source →Applies to (SEC scope)
RCK
camt.053 mapping
Not mapped
Nacha's definition
In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment.
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: RCK.
Reinitiation conditions
If this was a returned debit, Nacha's general reinitiation restrictions apply; this code alone does not establish permission to reinitiate. Confirm the current Rules and the return reason with your ODFI before any further entry.
How it appears in an ISO 20022 statement
Nacha's mapping guide marks this code as not currently supported or mapped for camt.053 (footnote 1): it applies to Standard Entry Class codes or flows the guide does not cover, so it has no published ISO 20022 reason-code mapping.
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 current Nacha Operating Rules and your ODFI determine the applicable deadline for this code; a general public two-day reference is not a substitute for that code-specific requirement.
What an operator does next
Both the RCK entry and the underlying item were presented. Refund the duplicate and fix the re-presentment control.
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) — retrieved 2026-09-06
- Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries) — retrieved 2026-09-06