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ACH Notifications of Change (NOC)

What Is a Notification of Change?

A Notification of Change (NOC) is a courtesy alert from the banking system. Your ACH payment went through successfully, but there's an error or outdated information in the banking details you provided. Think of it as a heads-up: "Your payment worked this time, but fix this before sending another payment, or it might be rejected."

Why Did I Receive a NOC?

Common reasons include:

  • Bank mergers or changes – The recipient's bank was acquired, and their routing number changed
  • Incorrect or mis-formatted account number – A typo, transposed digit, or formatting mismatch
  • Outdated banking information – Details that were once correct are no longer valid

What Does This Mean for My Payments?

Your current payment: Went through successfully. No action needed.

Future payments: If you use the same incorrect banking information again, future ACH transactions could be rejected—especially important if you have recurring payments set up.

Understanding NOC Codes

Each NOC includes a code indicating the specific error. The most common is code C01:

Code C01: Incorrect Account Number The account number is formatted incorrectly, incomplete, or doesn't match the bank's system. Verify the account number with your customer or vendor—make sure it matches exactly, including any leading zeros or special formatting.

What Should I Do?

  1. Review the NOC code – This tells you exactly what's incorrect. 
  2. Verify the correct banking details – Contact the customer or vendor for their correct account number, routing number, and bank name, or simply notify them of the NOC. This is especially important for re-occuring payments.
  3. Update your records – Enter the corrected information into your payment system

Key Takeaway

A NOC is not a rejection—it's a heads-up that your payment succeeded this time, but banking information needs to be corrected for future payments. If you have recurring payments, fix this right away to avoid future rejections.

Need help? Contact our support team if you have questions about decoding your NOC or updating your banking information.

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