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ACH Notification of Change (NOC)

A Notification of Change (NOC) is used to notify the sender of an 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NOCs are created by the Receiving Depository Financial Institution (RDFI) when information in an ACH entry is outdated or incorrect.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 () 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 Code	Description
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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ACH

ACH (Automated Clearing House) is a payment processing network that’s used to send money electronically between banks in the United States.