Correction Notices (or notifications of change - NOC) begin with the letter 'C'. Correction notices are created by the customer’s bank. The NOC system allows them to send correcting information to you without having to stop the transaction. The NOC tells you that your information is either inaccurate or that something has changed requiring your files to be updated. It also tells you which information to change. You must make these changes so that subsequent entries will process properly. Transactions that receive a “Correction Notice” have been processed by the customer's bank. Do not resubmit this transaction. You can use the corrected information to update your records.
| NOC CODE | MESSAGE | ACTION |
| C01 | ACCOUNT NUMBER | CHANGE THE CUSTOMERS ACCT # |
| C02 | TRANSIT/ROUTING NUMBER | CHANGE THE CUSTOMERS ROUTING # |
| C03 | TRANSIT/ROUTING NUMBER & ACCOUNT NUMBER | CHANGE THE CUSTOMERS ROUTING # AND ACCT # |
| C04 | ACCOUNT NAME | CHANGE THE CUSTOMERS NAME RECORD |
| C05 | TRANSACTION CODE | CHANGE THE TYPE OF TRANSACTION CODE (CHECKING ACCOUNT TO SAVINGS, OR VICE VERSA) |
| C06 | ACCOUNT NUMBER and TRANSACTION CODE | CHANGE THE CUSTOMERS ACCT # AND TRANSACTION CODE RECORDS |
| C07 | TRANSIT/ROUTING NUMBER, ACCOUNT NUMBER & TRANSACTION CODE | CHANGE THE CUSTOMERS ACCT # AND ROUTING # AND TRANSACTION CODE |
| C09 | INDIVIDUAL ID NUMBER | CHANGE THE INDIVIDUAL ID NUMBER RECORD |
The company must make the change(s) specified in the NOC within 6 banking days of its receipt or prior to the initiation of the next ACH entry to that customer, whichever is later.
| TRANS CODES | TRANS TYPE | ACCT TYPE |
| 22 | CREDIT | CHECKING ACCOUNT |
| 27 | DEBIT | CHECKING ACCOUNT |
| 32 | CREDIT | SAVINGS ACCOUNT |
| 37 | DEBIT | SAVINGS ACCOUNT |
| 42 | CREDIT | GL ACCOUNT |
| 47 | DEBIT | GL ACCOUNT |
| A mishandled NOC leaves the financial institutions open to increased processing costs and merchants open to customer service issues and possible fines. |
Additional reject codes can be located here ACH-NACHA Correction and Reject Codes
