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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NOCs are created by the Receiving Depository Financial Institution (RDFI) when information in an ACH entry is outdated or incorrect.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 CodeDescription
C01Incorrect bank account number
C02Incorrect transit/routing number
C03Incorrect transit/routing number and bank account number
C04Bank account name change
C05Incorrect payment code
C06Incorrect bank account number and transit code
C07Incorrect transit/routing number, bank account number and payment code
C08Corrected foreign routing number
C09Incorrect individual ID number
C10Incorrect company name
C11Incorrect company identification
C12Incorrect company name and company ID

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