[Account Owner] Mobile Check Deposit Codes

This article will assist with identifying issues with check deposits and the codes you might see. This can range from an unreadable check image, insufficient funds, a stop payment, or a closed account.

When notified by email about an issue with the check deposit process, it will now include more information and a code that will go to the advisor and any additional recipients that are set up in their email and notification settings. This additional detail helps your firm understand what happened and determine the appropriate next step with the client or their bank.

Codes for Reference

Below are the codes for reference that will display in the email should a scenario above occur, such as a failure, stop payment, or closed account for instance. Each number corresponds to the statement to the right of it.

Processing Codes:

3: "This check has already been processed or scanned."

104: "The front image of the check is missing or unreadable."

105: "The back image of the check is missing or unreadable."

107: "The routing and account numbers at the bottom of the check are unreadable."

108: "There was an issue with the date the check was scanned."

110: "Unreadable characters were found in the routing or account numbers at the bottom of the check."

111: "The check amount is invalid or could not be read."

Bank codes:

210: "The check was returned due to insufficient funds in the payer's account."

211: "The check was returned because the funds in the payer's account are on hold or uncollected."

212: "The payer placed a stop payment on this check."

213: "The check was returned because the payer's account is closed."

214: "The bank could not locate the account for this check."

215: "The check was returned because the payer's account is currently frozen or blocked."

216: "The check is too old to be processed (stale-dated)."

217: "The check is post-dated (dated for the future) and cannot be processed yet."

218: "The check is missing an endorsement (signature) on the back."

219: "The endorsement on the back of the check is invalid or unreadable."

220: "The check is missing the payer's signature on the front."

221: "The signature on the check doesn't match bank records or is irregular."

223: "The bank rejected the check because it appears to be altered or fictitious."

224: "The bank was unable to process the check."

225: "The check amount exceeds the allowable dollar limit for the payer's account."

226: "The bank indicated this transaction was not authorized."

227: "The payer's bank branch or account has been transferred to another institution."

228: "The bank declined the check and requested that you contact the check writer."

229: "The check was returned because a stop payment is suspected."

230: "The check image is unusable."

231: "The check image failed the bank's security verification."

232: "The bank could not determine the account information from the check image."