Notification of Change (NOC) Codes

A Notification of Change is created by an RDFI to notify the ODFI that previously valid information contained in a posted entry has become outdated or that information contained in a pre-notification or live transaction is erroneous and should be changed. Many times a NOC occurs because the customer’s bank has merged or been bought by another bank and they have changed the customer’s account or routing number.

As of January 1, 2015 – All NOCs that are received by VeriCheck will be updated automatically to reflect the changed information received by the customer’s bank. VeriCheck will still notify merchants of any Notifications of Change that occur for a merchant’s transactions, but information will automatically update on VeriCheck’s servers before the transaction is again submitted to the bank.

Merchants will not have to update/change information for NOCs that are received. As a convenience, VeriCheck will appropriately handle all Notifications of Change while still providing notice to merchants.

Change Codes

Code Reason Description
 C01  Incorrect bank account number  Bank account number incorrect or formatted incorrectly

Time Frame: 2 banking days from original Entry settlement

 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 C10  Incorrect company name  Company name is no longer valid and should be changed.
 C11  Incorrect company identification  Company ID is no longer valid and should be changed
 C12  Incorrect company name and company ID  Both the company name and company id are no longer valid and  must be changed