ACH return codes checklist for bank operations review

ACH returns can look routine when the queue is full, but the return code tells you what kind of risk is sitting behind the item. Early on, I treated the list like a posting task: work from top to bottom, clear the easy ones, move on. That is how small patterns get missed. My first pass is not by dollar amount. I sort by return code, originator, effective date, and customer. R01 insufficient funds…