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N24 Remark Code: Missing or Invalid EFT Banking Info

N24 means the payer's electronic funds transfer (EFT) banking information for the provider is missing, incomplete, or invalid. The payer may not be able to deposit payment electronically until the provider's EFT enrollment is corrected.

Quick facts

Code
N24 (RARC N24)
Status
Active In use since January 1, 2000; last modified February 28, 2003.
Code set
Remittance Advice Remark Codes (RARC)
Group codes
  • CO (Contractual Obligation): The issue sits with the provider's payment setup. It is never a patient balance.
  • OA (Other Adjustment): Some payers report it as another adjustment to flag an administrative payment issue rather than a claim decision.
Official description
Missing/incomplete/invalid Electronic Funds Transfer (EFT) banking information.
X12 Remittance Advice Remark Codes, retrieved September 25, 2026
Last verified
against the official X12 list.

What N24 means

Most payers pay providers by direct deposit, which relies on an EFT enrollment linking your tax ID and NPI to a bank account. N24 tells you that enrollment is missing, incomplete, or has banking details the payer could not use. The issue is administrative: it is about where the money goes, not whether the service was covered.

N24 may appear with CARC 16. Payers handle it differently: some fall back to a paper check, and some hold payment until you fix the enrollment.

Common causes

  • The practice changed banks or closed the account on file.
  • A new group, location, or tax ID was set up without completing EFT enrollment.
  • The account holder name did not match the legal name tied to the tax ID.
  • Routing or account numbers were entered incorrectly.
  • A change of ownership or merger left old banking data in place.

What to do

  1. Confirm which payee is affected. Check the tax ID and NPI on the remittance.
  2. Log in to the payer’s enrollment portal or contact provider services to see what is on file.
  3. Submit corrected EFT enrollment with the right routing number, account number, and account holder name, plus any verification documents the payer asks for.
  4. Watch for a test transaction or confirmation before assuming deposits will resume.
  5. Track held payments and ask the payer to release or reissue them once enrollment is fixed.

How to prevent it

  • Keep a list of every payer where you receive EFT and update each one before closing a bank account.
  • Treat EFT and ERA enrollment as part of onboarding any new tax ID, group, or location.
  • Reconcile deposits against remittances weekly so missing payments surface quickly.

Codes that may appear with N24

  • CO-16 (Claim/service lacks information or has submission/billing error(s).): Information required to complete processing, here the provider's banking details, is missing or wrong.
  • N51 (Electronic interchange agreement not on file for provider/submitter.): An electronic interchange agreement is not on file for the provider or submitter.
  • N154 (Alert: This payment was delayed for correction of provider's mailing address.): Alert that a payment was delayed while the provider's mailing address was corrected.
  • N260 (Missing/incomplete/invalid billing provider/supplier contact information.): The billing provider's contact information is missing or invalid.

N24 FAQ

Was my claim denied because of N24?

N24 is about how you get paid, not whether the service qualifies. Depending on the payer, the claim may be paid by check instead, or payment may be held until banking details are fixed.

How do I update EFT information?

Use the payer's EFT enrollment process. Many payers use their own portal or form, and some accept enrollment through a third-party enrollment service. Expect a verification step, such as a test deposit or a voided check.

Why would valid banking details suddenly be rejected?

Common reasons include a closed or changed bank account, a mismatch between the account name and your legal business name or tax ID, or an EFT enrollment that was never completed after a practice change.