NOC Reference Guide

A Notification of Change (NOC) is a non-dollar entry transmitted by a Receiving Depository Financial Institution (RDFI) to notify you that information contained within an entry is erroneous and/or has become outdated and must be changed.

The ACH Rules require your company to make the requested changes within 6 banking days of the receipt of the NOC or prior to the initiation of another ACH entry. Notification of changes will be sent to all ACH users via secure email.

NOC CODE DESCRIPTION ACTION BY ORIGINATOR
C01 Incorrect account number Change the Receiver’s account number record.
C02 Incorrect routing number Change the Receiver’s financial institution routing number. 
C03 Incorrect routing number & incorrect account number Change the Receiver’s financial institution routing number and account number.
C05 Incorrect transaction code Change the account type.
C06 Incorrect account number & incorrect transaction code Change the Receiver’s account number and account type.
C07 Incorrect routing number, account number & transaction code Change the Receiver’s financial institution routing number, account number, and  account type.
C09 Incorrect individual identification number Change the individual ID number.
C13 Addenda format error

Review the formatting in the Addenda Record that accompanied the original Entry Detail Record to determine errors and make corrections using only American National Standards Institute (ANSI) standards or NACHA endorsed banking conventions.

 

TRAN

CODE

DESCRIPTION
22 Credit to a checking account.
27 Debit to a checking account.
32 Credit to a savings account.
37 Debit to a savings account.

 

 

 

 

 

 

Important Note: Failure to respond to NOC's may result in additional fees.