Go ACH User Guide

Go ACH Reports

Q: What is the Return Ratio Report?

It shows your return rate, returns as a percentage of total volume, which matters for staying within NACHA network thresholds.

Go ACH reports give you five focused views into your ACH activity: Returns, Deposit, Net Funded, Return Ratio, and NOC. Click a report tile, set a date range and filters, then run and export the results for reconciliation or compliance.

GoACH Reports menu listing Returns Report, Deposit Report, Net Funded Report, Return Ratio Report and NOC Report

The Reports tab: five report types covering returns, deposits, net funding, return ratio and NOCs.

Report types

The five report types

Returns Report — transactions returned by the bank (e.g. NSF, closed account), with their return codes (RCodes).
Deposit Report — funds deposited/settled into your account over a period.
Net Funded Report — net funding (credits minus debits/returns), what actually landed.
Return Ratio Report — your return rate (returns as a percentage of volume), key to staying within network thresholds.
NOC Report — Notifications of Change, corrected bank account details the network sent back so you can update them.

GoACH Returns Report listing returned ACH transactions with their return codes and dates

The Returns Report lists every returned transaction with its R-code.

GoACH Deposit Report showing deposits by date with amounts and transaction counts

The Deposit Report reconciles what actually settled to the bank.

GoACH Net Funded Report showing gross funded, returns and net funded totals

Net Funded nets returns out of gross originations for a period.

GoACH Return Ratio Report showing return percentages measured against NACHA thresholds

The Return Ratio Report tracks your percentages against the NACHA thresholds.

GoACH NOC Report with vendor, client, bank account, amount, dates, transaction ID, NOC code and note columns

The NOC Report lists every Notification of Change with its code and date.

Return codes

What are ACH return codes?

Return codes (RCodes) are standardized codes the banking network sends when a transfer fails — for example, insufficient funds (NSF) or a closed account. The Returns Report lists each returned transaction with its code so you can act on it. For definitions of every code, see our complete ACH return codes reference.

Steps

How to run a report

Click Reports in the top navigation (or the Reports tile on the Go ACH dashboard).
Click the report you want to run.
Set the date range and any filters, then run/refresh the report.
Export the report if you need it for reconciliation or compliance.

Watch the Return Ratio Report — an excessive return rate can put your ACH program at risk under NACHA network rules. You can auto-disable programs that exceed a threshold in Go ACH preferences.

Common questions

Frequently asked questions

What reports does Go ACH offer?

Five: Returns, Deposit, Net Funded, Return Ratio, and NOC (Notifications of Change). Each supports a date range and export.

What is the Return Ratio Report?

It shows your return rate — returns as a percentage of total volume — which matters for staying within NACHA network thresholds.

What are ACH return codes?

Standardized codes the network returns when a transfer fails, such as NSF (insufficient funds) or a closed account. They appear on the Returns Report.

What is a Notification of Change (NOC)?

An NOC is corrected bank account information the network sends back. The NOC Report lists these so you can update the client’s details.

Get started with GoACH

Tell us about your business and processing needs and a GoACH specialist will follow up, typically within one business day.