R61
Misrouted Return
The ODFI dishonors a return because the RDFI placed an incorrect routing number in the Receiving DFI Identification field of the return entry.
- Initiator
- ODFI (dishonored return)
- Category
- Format
- Retry
- No
What to do next
No Originator action — an interbank correction between the ODFI and RDFI. Expect the RDFI to re-send a corrected return.
Awaiting expert review
Direction is the key risk and the thing most public sources get wrong: R61 is a dishonor sent BY the ODFI against the RDFI's return, not an RDFI return. The Fed's contested-dishonor form corroborates the ODFI-dishonors/RDFI-contests flow.