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    Notification of Change (NOC) Codes

    Correction Notices (or notifications of change - NOC) begin with the letter 'C'. Correction notices are created by the customer’s bank. The NOC system allows them to send correcting information to you without having to stop the transaction. The NOC tells you that your information is either inaccurate or that something has changed requiring your files to be updated. It also tells you which information to change. You must make these changes so that subsequent entries will process properly. Transactions that receive a “Correction Notice” have been processed by the customer's bank. Do not resubmit this transactionYou can use the corrected information to update your records.

     

    NOC CODE MESSAGE ACTION
    C01 ACCOUNT NUMBER CHANGE THE CUSTOMERS ACCT #
    C02 TRANSIT/ROUTING NUMBER CHANGE THE CUSTOMERS ROUTING #
    C03 TRANSIT/ROUTING NUMBER & ACCOUNT NUMBER CHANGE THE CUSTOMERS ROUTING # AND ACCT #
    C04 ACCOUNT NAME CHANGE THE CUSTOMERS NAME RECORD
    C05 TRANSACTION CODE CHANGE THE TYPE OF TRANSACTION CODE (CHECKING ACCOUNT TO SAVINGS, OR VICE VERSA)
    C06 ACCOUNT NUMBER and TRANSACTION CODE CHANGE THE CUSTOMERS ACCT # AND TRANSACTION CODE RECORDS
    C07 TRANSIT/ROUTING NUMBER, ACCOUNT NUMBER & TRANSACTION CODE CHANGE THE CUSTOMERS ACCT # AND ROUTING # AND TRANSACTION CODE
    C09 INDIVIDUAL ID NUMBER CHANGE THE INDIVIDUAL ID NUMBER RECORD

     

     

    The company must make the change(s) specified in the NOC within 6 banking days of its receipt or prior to the initiation of the next ACH entry to that customer, whichever is later.

     

    TRANS CODES TRANS TYPE ACCT TYPE
    22 CREDIT CHECKING ACCOUNT
    27 DEBIT CHECKING ACCOUNT
    32 CREDIT SAVINGS ACCOUNT
    37 DEBIT SAVINGS ACCOUNT
    42 CREDIT GL ACCOUNT
    47 DEBIT GL ACCOUNT

     

     

    A mishandled NOC leaves the financial institutions open to increased processing costs and merchants open to customer service issues and possible fines.

     

    Additional reject codes can be located here ACH-NACHA Correction and Reject Codes  



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