Accredited ACH Professional (AAP) Exam 2025 – 400 Free Practice Questions to Pass the Exam

The addenda Type Code used for return entries is 99. This code is specifically designated for return entries under the ACH Network that necessitate additional information to accompany a return. The return entry itself is part of the process in which a financial institution returns a debit entry due to various reasons, such as insufficient funds or a closed account.

The inclusion of an addenda record with the Type Code 99 allows for the return entry to convey important details about the return to the originator or the receiving financial institution. This enhanced communication helps ensure that all parties involved are well-informed about the nature and reason for the return, which is vital for proper reconciliation and further actions.

Understanding this code is crucial for ACH professionals as they manage debit and credit transactions, and helps them to maintain compliance and accuracy within the ACH processing system. In contrast, the other choices (97, 98, and 100) represent different types of addenda records that serve other purposes within the ACH framework and are not relevant to return entries specifically.