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ACH Notification of Change (NOC)

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A Notification of Change (NOC) is used to notify the sender of an ACH payment to correct or change information related to a customer’s bank account.

How do ACH Notifications of Change work?

NOCs are created by the Receiving Depository Financial Institution (RDFI) when information in an ACH entry is outdated or incorrect. The RDFI sends the NOC to the Originating Depository Financial Institution (ODFI) to notify them of the erroneous account information.

In most cases when you receive an NOC, your ACH transaction should still process as expected. After receiving an NOC, you will need to update your customer records to reflect the change to their account and ensure that future ACH transactions can be processed correctly. Per National Automated Clearing House Association (Nacha) rules, you must make changes to your customer records within 6 days of receiving an NOC.

There are over 50 different NOC codes, some of the most common are listed in the table below:

NOC CodeDescription

C01

Incorrect bank account number

C02

Incorrect transit/routing number

C03

Incorrect transit/routing number and bank account number

C04

Bank account name change

C05

Incorrect payment code

C06

Incorrect bank account number and transit code

C07

Incorrect transit/routing number, bank account number and payment code

C08

Corrected foreign routing number

C09

Incorrect individual ID number

C10

Incorrect company name

C11

Incorrect company identification

C12

Incorrect company name and company ID

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