Notification of Change (NOC) Reference Guide
The purpose of a Notification of Change (NOC) is to inform the sender that information contained in an ACH entry is incorrect or outdated, and needs to be changed. Typically, when an NOC is received, the transaction will process as expected. After receiving an NOC, you should update your records to reflect the requested change to the account(s) to ensure that future ACH transactions can continue to be processed correctly. NOCs are sent to ACH users via secure email.
The National Automated Clearing House Association (NACHA) rules require your company to make changes to the customer record(s) within 6 days of receiving the NOC. Failure to update information from an NOC may result in additional incurred fees.
For your convenience, the below reference guide outlines the action needed by the originator for the most commonly found NOC codes.
| NOC CODE | DESCRIPTION | RECOMMENDED ACTION FOR ORIGINATOR |
|---|---|---|
CO1 | Incorrect bank account number | Update the receiver’s account number |
CO2 | Incorrect transit/routing number | Update the receiving financial institution’s routing number |
CO3 | Incorrect transit/routing number and bank account number | Update the receiving financial institution’s routing number and the receiver’s account number |
CO5 | Incorrect transaction code | Update the account type (checking vs. savings) |
CO6 | Incorrect bank account number and incorrect transaction code | Update the receiver’s account number and account type |
CO7 | Incorrect transit/routing number, bank account number and transaction code | Update the receiving financial institution’s routing number, receiver’s account number and account type (checking vs. savings) |
CO8 | Incorrect individual ID number | Update the individual ID number |
TRANSACTION CODES RELATED TO NOCs
| NOC CODE | DESCRIPTION |
|---|---|
21 | Return or NOC for a credit to a checking account |
22 | Credit to a checking account |
26 | Return or NOC for a debit to a checking account |
27 | Debit to a checking account |
31 | Return or NOC for a credit to a savings account |
32 | Credit to a savings account |
36 | Return or NOC for a debit to a savings account |
37 | Debit to a savings account |
42 | Credit to a general ledger |
47 | Debit to a general ledger |
52 | Credit to a loan account |
Need further assistance with Notifications of Change? Reach out to Client Services at (833) 896-2850.