# ACH Return Processing

## Return Liquidation

- **Return Codes:** Examples include R01 (Insufficient Funds), R02 (Account Closed), R29 (Corporate Customer Advises Not Authorized).
- **Return Window:** Typically 2 banking days, with extensions for certain cases.
- **Debit Reversal Timing:** Ensures alignment with settlement.

## Validation and Posting Logic

- Validate settlement completion before processing returns.
- Apply date correction rules.
- Ensure proper posting logic.