{ "id": "nacha-noc", "name": "NOC", "fullName": "ACH Notification of Change codes", "standard": "Nacha Operating Rules (ACH, United States)", "agency": "Nacha", "source": { "name": "Nacha Operating Rules 2025 — Appendix Five, part 5.3 (Table of Change Codes)", "url": "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "version": "Nacha Operating Rules 2025 (Basic Edition appendixes)" }, "additionalSources": [ { "name": "US Treasury — Green Book, chapter 6 (Notification of Change)", "url": "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" }, { "name": "Federal Register — 31 CFR Part 210 (removal of change code C04)", "url": "https://public-inspection.federalregister.gov/2017-19135.pdf" }, { "name": "Nacha — ISO 20022 guide to camt.053 returns (change code mapping)", "url": "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" } ], "provenanceNote": "The Nacha Operating Rules book is copyrighted and sold, and was not purchased. Every code here was checked against official sources that are free: the appendixes Nacha publishes itself, the US Treasury Green Book and the Federal Register. This is why the list has 19 codes and not the 22-odd you will find elsewhere: C04 was removed from the Rules in 2015, and C10, C11 and C12 — widely published by processors and bank PDFs — do not exist in the Rules at all (the table goes straight from C09 to C13; the likely confusion is with C63 below).", "license": "CC-BY-4.0", "lastVerified": "2026-07-12", "count": 19, "codes": [ { "code": "C01", "name": "Incorrect DFI Account Number", "note": "The account number is wrong or malformed. Correct the DFI Account Number held for this Receiver before the next entry — the payment itself went through.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C02", "name": "Incorrect Routing Number", "note": "A once-valid routing number must change, typically after a bank merger or consolidation. Correct the Receiving DFI Identification and its check digit.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C03", "name": "Incorrect Routing Number and Incorrect DFI Account Number", "note": "Both the routing number and the account number must change — the usual outcome of a bank merger. Correct both fields together.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C05", "name": "Incorrect Transaction Code", "note": "The entry is being sent to the wrong type of account: it is coded checking when the account is savings, or the reverse. Correct the Transaction Code (2x = checking, 3x = savings).", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C06", "name": "Incorrect DFI Account Number and Incorrect Transaction Code", "note": "Both the account number and the account type are wrong. Correct the DFI Account Number and the Transaction Code.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C07", "name": "Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code", "note": "All three routing details are wrong. Correct the routing number, the account number and the transaction code.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C08", "name": "Incorrect Receiving DFI Identification (IAT only)", "note": "Applies to international (IAT) entries only: the receiving institution identifier is wrong. Correct the Receiving DFI Identification carried by the IAT entry.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C09", "name": "Incorrect Individual Identification Number/Incorrect Receiver Identification Number", "note": "The identifier the Originator uses for this Receiver (customer or member number) is wrong or has changed. Correct the Individual Identification Number.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C13", "name": "Addenda Format Error", "note": "The entry itself was fine and was posted, but the addenda record was unusable — wrongly formatted or unclear. No corrected value is returned: reformat the addenda on your side.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C14", "name": "Incorrect SEC Code for Outbound International Payment", "note": "Sent by a Gateway, not by an RDFI: the payment leaves the United States and must therefore be classified IAT. Change the batch Standard Entry Class code to IAT for future entries.", "group": "change", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "C61", "name": "Misrouted Notification of Change", "note": "The NOC reached the wrong ODFI.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C62", "name": "Incorrect Trace Number", "note": "The trace number in the NOC does not identify a real original entry.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C63", "name": "Incorrect Company Identification Number", "note": "The company identification in the NOC does not match the original entry. Note this is a REFUSAL of a NOC — not a change code asking to fix a company ID.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C64", "name": "Incorrect Individual Identification Number/Identification Number", "note": "The individual identification number in the NOC does not match the original entry.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C65", "name": "Incorrectly Formatted Corrected Data", "note": "The corrected value the RDFI supplied is not formatted as the change code requires, so it cannot be applied.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C66", "name": "Incorrect Discretionary Data", "note": "The discretionary data in the NOC does not match the original entry.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C67", "name": "Routing Number Not from Original Entry Detail Record", "note": "The routing number quoted by the NOC is not the one carried by the original entry.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C68", "name": "DFI Account Number Not From Original Entry Detail Record", "note": "The account number quoted by the NOC is not the one carried by the original entry.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "C69", "name": "Incorrect Transaction Code", "note": "The transaction code quoted by the NOC is not the one carried by the original entry.", "group": "refused", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] } ] }