C04 ACH NOC code: Incorrect Individual Name/Receiving Company Name
What C04 means
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.
C04 key facts
| Official title | Incorrect Individual Name/Receiving Company Name |
|---|---|
| Status | Retired. Removed from the Nacha rules in 2015 |
| What the notice gives you | Not used. The code is retired. |
| Used with | Retired in 2015. |
The US Treasury confirmed the removal in a 2016 Federal Register notice. A payments association summary gives the date as March 20, 2015. Some software code tables still list C04.
What to do
- Nothing. If you see C04 in an old report or in software, no action is required under the current rules.
- Keep using the name you have in your own records and contracts.
Questions and answers
Is C04 still a valid NOC code?
No. Nacha removed change code C04 (Incorrect Individual Name/Receiving Company Name) from its rules in 2015. It no longer appears on the Federal Reserve NOC form or in current bank guides.
Sources
- Federal Register, 81 FR 86302 (removal of change code C04), US Treasury, Bureau of the Fiscal Service
- FedACH Notification of Change exception form, Federal Reserve Financial Services
- 2026 Corporate User ACH Quick Reference Cards, 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.