C14 ACH NOC code: 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.
C14 key facts
| Official title | Incorrect SEC Code for Outbound International Payment |
|---|---|
| Status | In use |
| What the notice gives you | The letters IAT. |
| Used with | Sent by a gateway bank, for outbound international 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
- Tell your bank that payments to this payee are international.
- Send future payments in the IAT format, which carries the extra details needed for sanctions screening.
- 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 C14 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 C14 an ACH return code?
No. C14 is a Notification of Change code, not a return code. A return code (R01 to R85) means the payment was sent back. C14 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
- 2024 ACH Quick Reference Guide for Corporate Users, EPCOR
- 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.