C13 ACH NOC code: 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.
C13 key facts
| Official title | Addenda Format Error |
|---|---|
| Status | In use |
| What the notice gives you | None. The notice does not supply corrected data. You and your bank work out the fix. |
| Used with | Payments that carry addenda records, such as CCD and CTX. |
| 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
- Review how the addenda information on that payment was formatted and find the error.
- Fix the format with your bank so future payments carry it correctly.
- 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 C13 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 C13 an ACH return code?
No. C13 is a Notification of Change code, not a return code. A return code (R01 to R85) means the payment was sent back. C13 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
- FedACH Notification of Change exception form, Federal Reserve Financial Services
- 2026 Corporate User ACH Quick Reference Cards, 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.