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NOCs are created by the Receiving Depository Financial Institution (RDFI) when information in an ACH entry is outdated or incorrect.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:
|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|
ACH (Automated Clearing House) is a payment processing network that’s used to send money electronically between banks in the United States.
- 1ACH API
- 2What is ACH?
- 3What is an ACH Prenote?
- 4ACH Reversals
- 5ACH Return Codes
- 6ACH Payment Returns
- 7SEC Codes
- 8What is Same-Day ACH?
- 9ACH Notification of Change (NOC)
- 11Credit vs. Debit
- 12ACH Credit
- 13What is Request for Payment (RFP)?
- 14What is Global ACH?
- 15ACH Debit
- 16What is an International ACH Transfer?
- 17FedGlobal ACH
- 18What is Electronic Funds Transfer (EFT)?
- 19ODFI vs. RDFI
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