C08 ACH NOC code: 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.
C08 key facts
| Official title | Incorrect Receiving DFI Identification (IAT Only) |
|---|---|
| Status | In use |
| What the notice gives you | The correct identification of the foreign receiving bank. |
| Used with | International (IAT) payments only. |
| 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. |
Published guides disagree on how many characters of the corrected data hold the new identifier, so we do not state a number.
Update your records
- Correct the foreign bank identifier you use for this payee on future international payments.
- 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 C08 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 C08 an ACH return code?
No. C08 is a Notification of Change code, not a return code. A return code (R01 to R85) means the payment was sent back. C08 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
- 2026 Corporate User ACH Quick Reference Cards, EPCOR
- 2024 ACH Quick Reference Guide for Corporate Users, EPCOR
- ACH Return, NOC and Transaction Codes, Commerce Bank
- ACH Return Reason Codes and Time Frames, CBS Bank
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.