C07 ACH NOC code: 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.
C07 key facts
| Official title | Incorrect Routing Number, Incorrect DFI Account Number and Incorrect Transaction Code |
|---|---|
| Status | In use |
| What the notice gives you | The correct routing number, account number and transaction code. In the corrected data, the routing number is in positions 1 to 9, the account number is in positions 10 to 26, and the 2-digit transaction code is in positions 27 and 28. |
| Used with | Most payment types. Not available for outbound international (IAT) payments. |
| Sent by | Receiving bank (RDFI), within 2 banking days of the payment settling |
| Your deadline | Within six banking days of receiving the notice, or before you send another payment to that account, whichever is later. For a one-time payment you may choose whether to act on it. |
| Was the payment returned? | No. A Notification of Change means the payment was posted. |
Update your records
- Replace the routing number and account number with the ones in the notice.
- Change the account type to match the transaction code in the notice.
- Change the details everywhere they are stored: payroll, accounts payable, and saved templates at your bank.
Questions and answers
How long do I have to act on a C07 notice?
Within six banking days of receiving the notice, or before you send another payment to that account, whichever is later. For a one-time payment you may choose whether to act on it. The receiving bank sends the notice within two banking days of the payment settling, and your bank passes it to you within two banking days after that.
Is C07 an ACH return code?
No. C07 is a Notification of Change code, not a return code. A return code (R01 to R85) means the payment was sent back. C07 means the receiving bank posted the payment and is asking you to correct your records for next time.
Sources
- Minor Rules Topics, effective June 21, 2024 (Originator action on Notification of Change), Nacha
- ISO 20022 Guide to Mapping U.S. ACH Return Items and Notifications of Change, August 2023 (Table 1, pages 64 and 65), Nacha
- IAT Frequently Asked Questions, 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
- 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.