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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Financial Institution (RDFI) to notify you that information contained within an entry is erroneous and/or has become outdated and must be changed.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.
|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.