ACH NOC codes
Every ACH NOC (Notification of Change) code, what it asks you to fix, and by when.
Showing all 11 codes.
ACH NOC codes, from achforms.com/noc-codes/. Last reviewed October 2, 2026. Every code is listed, whatever was searched or filtered on the screen.
| Code | Meaning |
|---|---|
| C01 | Incorrect DFI Account Number The account number you used is wrong or formatted wrongly. The receiving bank posted the payment and is sending you the correct account number. |
| C02 | Incorrect Routing Number The routing number you used was valid once but has changed, usually because of a bank merger. The receiving bank is sending you the correct routing number. |
| C03 | Incorrect Routing Number and Incorrect DFI Account Number Both the routing number and the account number you used need to change, often because a merger changed the bank's numbers. The receiving bank is sending you both correct numbers. |
| C04 | Incorrect Individual Name/Receiving Company Name C04 was the code a bank used to ask you to correct the name on the account. Nacha removed it from the rules in 2015, so banks no longer send it. Retired in 2015 |
| C05 | Incorrect Transaction Code The payment was aimed at the wrong type of account, for example checking when the account is savings. The receiving bank is sending you the correct transaction code. |
| C06 | Incorrect DFI Account Number and Incorrect Transaction Code The account number is wrong and the payment was aimed at the wrong type of account. The receiving bank is sending you the correct account number and transaction code. |
| C07 | Incorrect Routing Number, Incorrect DFI Account Number and Incorrect Transaction Code The routing number, the account number and the account type are all wrong. The receiving bank is sending you all three corrected. |
| C08 | Incorrect Receiving DFI Identification (IAT Only) On an international ACH payment (IAT), the number that identifies the foreign receiving bank is wrong. The notice gives the correct one. |
| C09 | Incorrect Individual Identification Number/Incorrect Receiver Identification Number The ID number you use to identify the person on the payment is wrong. The receiving bank is sending you the correct one. |
| C13 | Addenda Format Error The payment itself was fine and was posted, but the extra information sent with it (the addenda record) was unclear or not formatted to the standard. |
| C14 | Incorrect SEC Code for Outbound International Payment A payment you sent as a domestic payment is really going abroad. The gateway bank is asking you to send future payments to this payee as international (IAT) payments. |
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How to use the NOC codes list
- Find the code on your notice. It starts with C, such as C01 or C05.
- Open the code’s page to see what the bank is asking you to change.
- Update your records before your next payment to that account.
What a Notification of Change is
When you send an ACH payment with a detail that is wrong but still good enough for the bank to work out which account you meant, the receiving bank has a choice. It can return the payment, or it can post it and send you a Notification of Change. The NOC is the friendlier option: the payment arrives, and you are told what to fix.
An NOC is a zero-dollar entry. It travels from the receiving bank, through your bank, to you.
If your bank passes notices to you as a NACHA file, see what a Notification of Change file looks like, with a made-up example. The ACH file viewer reads such a file as a table.
| Step | Who | Deadline |
|---|---|---|
| Sends the NOC | The receiving bank | Within 2 banking days of the original payment settling |
| Passes it to you | Your bank | Within 2 banking days of the NOC settling |
| Makes the change | You | Within 6 banking days, or before your next payment to that account, whichever is later |
The receiving bank stands behind the corrected details it sends. Nacha says an account number changed through an NOC counts as validated, so you do not have to check it again.
What to update your records with
Each code tells you which detail to change.
| If the code is | Change this |
|---|---|
| C01 | Account number |
| C02 | Routing number |
| C03 | Routing number and account number |
| C05 | Account type (checking or savings) |
| C06 | Account number and account type |
| C07 | Routing number, account number and account type |
If the corrected details surprise you, or several notices arrive for the same person, ask them to confirm their bank details on a fresh form. Use the vendor ACH form or the direct deposit form.
Common mistakes and how to fix them
- Treating an NOC as a return. The payment was not sent back. Do not pay again.
- Ignoring it. If you keep using the old details, the bank may start returning your payments, and banks warn that fines or fees can follow.
- Updating one system but not the other. Change the details everywhere they are stored: payroll, accounts payable and any saved templates at your bank.
- Stopping payments until the customer signs again. An NOC corrects the bank details. It does not cancel the customer’s authorization, so you can keep paying with the corrected details.
Codes that are no longer used, or that we could not confirm
- C04 (incorrect name) was removed from the Nacha rules in 2015.
- C10, C11 and C12 appear on some software and vendor lists. We could not find them in any Federal Reserve, Treasury or bank source, so they are not listed here.
Refused NOC codes (C61 to C69)
If your bank cannot process an NOC, for example because it was sent to the wrong bank or the corrected data is not in the right format, it sends a refused NOC back to the receiving bank within 15 days. These codes are exchanged between banks. You do not need to act on them.
| Code | Why the NOC was refused |
|---|---|
| C61 | Misrouted Notification of Change |
| C62 | Incorrect Trace Number |
| C63 | Incorrect Company Identification Number |
| C64 | Incorrect Individual Identification Number/Identification Number |
| C65 | Incorrectly Formatted Corrected Data |
| C66 | Incorrect Discretionary Data |
| C67 | Routing Number Not From Original Entry Detail Record |
| C68 | DFI Account Number Not From Original Entry Detail Record |
| C69 | Incorrect Transaction Code |
Questions and answers
What is an ACH NOC?
An ACH NOC, or Notification of Change, is a message from the receiving bank that says "your payment went through, but one of the details you used is wrong or out of date". It gives you the correct detail, such as a new account number or routing number, so your next payment is right.
What does NOC stand for in banking?
In ACH payments, NOC stands for Notification of Change. It is a zero-dollar entry, with the payment code COR, that carries corrected bank details back to the sender. In other banking contexts the same letters can mean a "no objection certificate", which is a different thing.
Is an NOC the same as a return?
No. With a return, the payment is sent back and the money does not arrive. With an NOC, the payment is posted and the bank only asks you to correct your records. NOC codes start with C. Return codes start with R. See the ACH return codes list.
How long do I have to make the change?
Six banking days from when you receive the notice, or before you send another payment to that account, whichever is later. Since June 21, 2024, if the notice is about a one-time payment, you may choose whether to act on it.
Is there a fee for an ACH NOC?
Any fee comes from your own bank or payment processor, which may charge for each notice it passes on to you. Check its fee schedule. Banks also warn that ignoring NOCs can lead to fines that are passed on to you.
What is an NOC letter or report from my bank?
It is how your bank passes the notice on to you. The rules require it to give you the change code, the corrected data and the details of the original payment within two banking days. Banks send this as a report, an email or a letter.
Sources
- Minor Rules Topics, effective June 21, 2024 (Originator action on Notification of Change), Nacha
- Green Book, chapter 6: Notification of Change, US Treasury, Bureau of the Fiscal Service
- FedACH Notification of Change exception form, Federal Reserve Financial Services
- Federal Register, 81 FR 86302 (removal of change code C04), US Treasury, Bureau of the Fiscal Service
- Supplementing Fraud Detection Standards for WEB Debits (an NOC change counts as validation), Nacha
- 2024 ACH Quick Reference Guide for Corporate Users, EPCOR
General information, not legal or financial advice. Rules change and banks set their own requirements. Check with your bank before you act. ACH Forms is not affiliated with Nacha.