An outgoing ACH request to move funds into a customer account was rejected and returned by the external entity. This event is sent in addition to ACRT: ach_return.

In this case, the funds were already temporarily credited to the customer account. After the request is rejected and returned, an adjustment is created to remove the funds from the customer account, and the adjustment has a hold on it (typically five days). When the hold expires, the BADJ: adj event is sent. No product parameter setting is required to receive this event.

  • CodeFACH
  • Event trigger — Galileo finds the returned ACH credit in the Nacha fileNacha file - ACH transaction file that is standardized by the National Automated Clearing House Association. The Nacha file format is an encrypted and standardized format that all banks in the ACH network are equipped to process..
  • Process — This process contains the event trigger:
    • Galileo receives a Nacha file.


All fields are strings. Your field names may vary.

Field Required Description

Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: "034294619573021"


Amount of the transaction. Unsigned. Example: "63.21"

balance_id X

The balance ID, also called the galileo_account_number. Example: "20211"

ext_trans_id X

The transactionId of the API call that initiated the ACH transaction.


Unique Galileo-generated identifier for this message. Example: "243693"

open_to_buy X

The available balance to spend. Example: "500.00"

payment_id X

Identifier (pmt_id) for the payment into the cardholder account. Example: "1236458"

pmt_ref_no X

Galileo 12-digit payment reference number (PRN) for the account. Example: "155101003022"

prod_id X

The product ID of the account. Example: "1701"

prog_id X

The program ID of the account. Example: "305"


Name on the recipient account. Example: `"Jamal Williams"

return_code X

See ACH Return Codes for possible values. Example: "R01"

timestamp X

Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: YYYY-MM-DD hh:mm:ss MST Example: "2023-01-29 17:20:33 MST"

type X

The name of this event: "ach_credit_return"


Populated according to your use case and needs by arrangement with Galileo.


# ach_credit_return example:
  "ach_source_trace": "034294619573021",
  "amount": "63.21",
  "balance_id": "20211",
  "ext_trans_id": "9845dk-39fdk3fj3-4483483478",
  "msg_event_id": "243693",
  "open_to_buy": "500.00",
  "payment_id": "1236458",
  "pmt_ref_no": "155101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "receiver_name": "Jamal Williams",
  "return_code": "R01",
  "timestamp": "2023-01-29 17:20:33 MST",
  "type": "ach_credit_return"