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Self-serve ACH return (R29 error)

Approved Moov accounts can self-serve ACH return bank account errors. Contact Moov support to find out more about approved account eligibility.

An ACH return error (R29) may occur if a bank account fails verification or if a debit attempt fails. In these scenarios, an Errored status will appear on a bank account within the Account overview or Bank account details view, and a Failed source payment error will appear within the Transfer details view.

Approved accounts can attempt to resolve the error through a reset, attesting the end user has reauthorized debits.

Each bank account can attempt one new authorization attestation in a rolling 365-day period. If an account receives an ACH return error a second time within that timeframe, you must contact Moov support.

Resolve account error

If an ACH return error occurs, you will see alerts on the following Dashboard views:

Click Resolve ACH return to start the authorization attestation process.

Account errored

To resolve the error and restore the account, you will need to confirm a new authorization by contacting the account holder. Provide the date the new authorization was obtained, a description (such as how the new authorization was obtained), and check the box confirming the account holder reauthorizes Moov to originate debits.

You are responsible for retaining supporting evidence of the authorization attestation.

Restore account modal

A successful authorization will show accounts as Verified and transfers as Completed.