What it means
The bank account didn't have enough money to cover the EFT. This is the electronic equivalent to a bounced check.
How to fix it
For tenant payments, Association owner payments, and rental application fees
Confirm that there is enough money in the bank account and resubmit the payment.
For rental owner and vendor payments
Confirm that there is enough money in the bank account and resubmit the payment. If ACH Direct receives this return code on an outgoing EFT, it is likely that the merchant account will be placed on funding hold until the matter is resolved.
R01 - Insufficient Funds
The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.