Check Errors-Entering the account and routing numbers correctly (R03 and R04 return codes)

Common reasons that electronic checks have errors when processing and how to address the issue.

Following these instructions will eliminate the majority of the R03 and R04 returns
The ONLY exception would be if the account is closed or changed during the period the attempt for the ACH Debit is made

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The routing number is always 9 digits and the system will recognize the bank

- This is on the left side bottom of the check 99% of the time

The account number is usually in the middle bottom of the check and can be any amount of digits

Do not enter the check number highlighted in the image above that can sometimes be in the bottom right next to the account number.

Be sure to enter all of the numbers starting from the end of the routing number to the beginning of the check number to the right
- - Use process of elimination by looking at the top right of the check for the check number (top 2)
  - Eliminate the check number from the bottom right of the check so that you do not include that in the end of the account number field in the PFG Portal (bottom 2)
  - Be sure to double-check that every number is correct – if a paper check is not available, verify again the account number with the homeowner