| 4th Character | Reason |
| 1 | Business Check. At this time NACHA does not permit converting business checks. The reason is, "At the point of sale the merchant receiving the check must be able to reasonably ensure the person signing the authorization slip is the account holder. This is to be done by comparing the name on the check to the ID presented." On a business check it will not have the account holders name on it. |
| 2 | Over limit The check amount in conjunction with the check number is over the limit we are willing to accept. This may also be due to the number of checks presented by the customer over a given time period. |
| 3 | Temporary Check The check is a temporary check. These normally do not have the customer's name imprinted on the check. It is required the name be imprinted. |
| 4 | Non ACH bank At present we can not perform electronic transactions from the bank or credit union on the check. This is not to say the check is bad. It is probably a good check. |
| 5 | Keyed Account The account number was keyed in. The check must be read by the reader to be converted. NACHA regulation. |
| 6 | No License No drivers license was entered. It is required the customer's drivers license be entered when prompted by the terminal. |
| 7 | Invalid date The date entered is either invalid or too far in the future. The date shold be formatted as MMDDYYY |