ACH NOC Codes

The ACH network provides Notifications of Change (NOCs)—notification that something about a bank account has changed. For example, if you submit a payment for which the name on the bank account has changed, then PayPal receives a NOC that lists the corrected name.

After receiving a NOC, PayPal corrects subsequent payments for the affected bank account using the updated information. This means that even if you submit a new payment using the old information, PayPal submits the payment using the updated information.

You can use the Notifications of Change report to help you in updating your organization's records.

Code

Reason

Description

C01

Incorrect bank account number

Bank account number incorrect or formatted incorrectly

C02

Incorrect transit/routing number

Once valid transit/routing number must be changed

C03

Incorrect transit/routing number and bank account number

Once valid transit/routing number must be changed and causes a change to bank account number structure

C04

Bank account name change

Customer has changed name or ODFI submitted name incorrectly

C05

Incorrect payment code

Entry posted to demand account should contain savings payment codes or vice versa

C06

Incorrect bank account number and transit code

Bank account number must be changed and payment code should indicate posting to another account type (demand/savings)

C07

Incorrect transit/routing number, bank account number and payment code

Changes required in three fields indicated

C09

Incorrect individual ID number

Individual's ID number is incorrect

C10

Incorrect company name

Company name is no longer valid and should be changed.

C11

Incorrect company identification

Company ID is no longer valid and should be changed

C12

Incorrect company name and company ID

Both the company name and company id are no longer valid and must be changed