BMO (Bank of Montreal) (batch) Response Codes:

Direct Debit/eCheck Response Codes (Canada ACH) (Processing Codes)

Direct Debit/eCheck Response Codes (Canada ACH)

Code	Message	Description
900	Account information incorrectly entered	Account information has been entered incorrectly.
901	Insufficient Funds	Available balance is not sufficient to cover the dollar amount of the debit entry.
902	Account not Found	The account could not be found and is closed, or that's an older style cheque that doesn't meet the requirements of the Canadian Payments Association.
903	Payment Stopped/Recalled	Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. RDFI should verify the receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization.
904	Post/Stale Dated
905	Account Closed	Previously active account has been closed by a customer or customer's bank.
907	No Debit Allowed	The receiving financial institution does not allow electronic debit through this type of account.
908	Funds Not Cleared	The payor/payee has deposited a cheque to their account that has not cleared. The payee did not have enough clear funds in the account to cover the debit amount.
909	Currency/Account Mismatch	The currency of the transaction does not match the currency of the account.
910	Payor/Payee Deceased	Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
911	Account Frozen	Funds unavailable due to specific action by the RDFI or by legal action.
912	Invalid/Incorrect Account No	The account number is not valid. The transaction may have failed the digit validation or may contain an incorrect number of digits.
914	Incorrect Payor/Payee Name	The payor/payee name on the transaction does not match the account holder’s name.
915	No Agreement Existed - Business/Personal Refused	The payor has requested the debit to be returned as they have not signed a PAD agreement authorizing the debit.
916	Not in accordance with Agreement - Personal	The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
917	Agreement Revoked - Personal	The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
918	No Confirmation/Pre-Notification - Personal	The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
919	Not in accordance with Agreement - Business	The payor has requested the debit to be returned as the debit has not been issued in accordance with the PAD agreement the customer signed.
920	Agreement Revoked - Business	The payor has requested the debit to be returned as they have cancelled the PAD agreement authorizing the debit.
921	No Pre-Notification - Business	The payor has requested the debit to be returned as they have did not receive pre-notification of a change to the PAD date or amount, or they did not receive written confirmation of a PAD Agreement executed by electronic means.
922	Customer Initiated Return - Credit Only	The payee has requested the credit to be returned.
990	Institution in Default
996	Chargeback	Chargeback has been received.
998	Unmapped Returns.	Specified processor's response code is not recognized by the system. The respective request of a received code clarification needs to be addressed to the processor.
999	Transaction rejected by processor.	Submitted transaction has been rejected by the processor.

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