R20

Non-Transaction Account

The entry is destined for an account against which transactions are prohibited or limited.

Initiator: RDFI
Category: Account
Retry: No

What to do next

Obtain a different, ACH-enabled account from the customer.

Awaiting expert review

Post-2020 amendments to Regulation D suspended the six-per-month withdrawal limit, so the classic 'exceeded Reg D limit' explanation many processors still publish may be stale. The code remains valid for genuine non-transaction accounts.