Notification of Change Codes

What are they?

Notification of Change (NOC) codes are determined by NACHA and are used to indicate that some information within an ACH transaction needs to be updated or corrected. Unlike a return code, which signifies that a transaction was unsuccessful for some reason, a Notification of Change is more like a friendly notice suggesting that an error exists but is not critical enough to reject the transaction outright.

When a receiving bank (RDFI) identifies inaccurate or outdated information in a transaction, it generates a Notification of Change entry including the NOC code. This entry is then sent to the originating bank (ODFI) to update its records accordingly for future transactions.

For example, a common NOC code is "C01," which suggests that the bank account number is incorrect and needs to be corrected. Another code, "C02," indicates that the transaction routing number has been changed and the originator needs to update their records.

By understanding and promptly acting on these NOC codes, originators can help ensure the smooth processing of future ACH transactions.

List of Codes

Below is a list of NACHA Notification of Change Codes and their meaning.

NOC Code	Meaning
C01	Incorrect DFI Account Number. Corrective action: Update the Account Number to the Corrected Account Number.
C02	Incorrect Routing Number. Corrective action: Update the Routing Number to the Corrected Routing Number.
C03	Incorrect Routing Number and Incorrect DFI Account Number. Corrective action: Update the Routing Number and the Account Number to the Corrected Routing Number and Corrected Account Number.
C05	Incorrect Transaction Code. Corrective action: Update the Bank Account Type. If Transaction Code is 22 or 23, change account type to Checking. If Transaction Code is 27 or 28, change account type to Checking. If Transaction Code is 32 or 33, change account type to Savings. If Transaction Code is 37 or 38, change account type to Savings.
C06	Incorrect DFI Account Number and Incorrect Transaction Code. Corrective action: Update the Account Number and the Bank Account Type. If Transaction Code is 22 or 23, change account type to Checking. If Transaction Code is 27 or 28, change account type to Checking. If Transaction Code is 32 or 33, change account type to Savings. If Transaction Code is 37 or 38, change account type to Savings.
C07	Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code. Corrective action: Update the Routing Number and the Account Number to the Corrected Routing Number and Corrected Account Number. Update the Bank Account Type. If Transaction Code is 22 or 23, change account type to Checking. If Transaction Code is 27 or 28, change account type to Checking. If Transaction Code is 32 or 33, change account type to Savings. If Transaction Code is 37 or 38, change account type to Savings.

The following codes are being provided for completeness, but are not appliable as we do not support them.

C08	Incorrect Receiving DFI Identification (IAT Only)
C09	Incorrect Individual Identification Number / Incorrect Receiver Identification Number
C13	Addenda Format Error
C14	Incorrect SEC Code for Outbound International Payment