Reason codes indicate the cause for a credit exception.

Reason Code	Explanation
B01	Batch is out of balance
B21	Invalid biller ID
B26	Batch header field format error
E01	Account failed MOD
E02	Account closed
E03	Invalid account mask
E04	No account
E05	Invalid account number
E06	Account sold to another provider
E07	Account holder deceased
E08	Account frozen
E09	Payment amount differs from amount due
E10	Duplicate return
E11	Universal Biller File (UBF) error
E12	Unable to post; contact biller
F01	Number of blocks/batches does not agree with totals in File Control record
F02	Originator's ID inactive
F03	Field format error in file header or file control record
F04	Total debit and/or credit amount does not agree with total in file control record
F05	Record sequence error
J18	Improper effective entry date
J19	Amount field error
J22	Invalid account number (format error)
J23	Check digit invalid
J25	Addendum format error
J26	Entry detail record field format error
J29	Does not accept pre-notes