R01

Insufficient Funds

The available balance in the Receiver's account is not enough to cover the amount of the debit.

Initiator: RDFI
Category: Funds
Retry: Yes

What to do next

Reinitiate for the original amount only (no added return fee) — the Rules cap reinitiation at two attempts following the return. Otherwise request another payment method or a date when funds will be available.

Note

The commonly cited 'up to 2 times within 30 days' blends the NACHA reinitiation cap with a processor convention on the 30-day boundary — confirm the 30-day element.