An outgoing ACH request was rejected and returned. The available balance may have changed, depending on whether funds had already been moved into or out of the customer account. You can receive this event only if NTSAA is set to Y.

This event is triggered any time an outgoing ACH transaction is returned. When internal processes detect that a returned transaction is a credit (moving funds into the customer account), the FACH: ach_credit_return event is also triggered.

  • CodeACRT
  • Event trigger — Galileo finds the returned transaction 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
ach_acct_id X

Customer ACH account number. Example: "999101538205"

ach_proc_id X

Identifier in the ACH returns table. Example: "333811"


For this message type the value is always "AD".

amount X

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


Galileo-generated ID for the authorization request. This ID is unique per subnetwork. Example: "12303090"

balance_id X

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


Whether the ACH transaction would have debited or credited the recipient account: "C" (credited) or "D" (debited).


Description of the ACH transaction. Example: "Transfer from external account"


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


The available balance to spend. Example: "500.00"


See the curated list of otypes for your program from Galileo. Example: "AC"

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"


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_return"


# ach_return example:
  "ach_acct_id": "999101538205",
  "ach_proc_id": "333811",
  "amount": "63.21",
  "auth_id": "12303090",
  "balance_id": "20211",
  "description": "Transfer from external account",
  "msg_event_id": "243693",
  "open_to_buy": "500.00",
  "otype": "AC",
  "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_return"