美国汇款银行汇款被退回并提示UTA NEED BNF VALID ACC

UTA NEED BNF VALID ACC代表对方账户不对或者非法。

我翻译一下。

BNF 代表BNF is the beneficiary, which you indicated was your account number. ... How much time do I have to reverse a money wire transfer from a bank to another ...

UTA代表Unable to apply，UTA is a common abbreviation for "Unable To Apply", which seems redundant but probably not. " Unable to apply funds due to" is likely the name of the field, and "UTA..."