ACH Notice of Change (NOC)

An ACH Notification of Change is an electronic message sent by a receiving bank (the merchant's customer's bank) to indicate that the ACH transaction was processed, but contained incorrect or outdated information.

If we receive an ACH NOC relating to a Stax Connect merchant, Stax will inform them directly by sending a notification to the primary email address on file for the account. The Stax Connect partner will also receive an awareness email with details of the NOC. Notifications are sent out once a day.

The following details will be included with the NOC notification:

Customer name
Transaction ID
Transaction date
NOC info code
Description

If a NOC is received for one of your merchants, the merchant must update the payment information before the transaction originates again. NACHA rules require that merchants make changes or corrections within six (6) banking days of receiving the notification of change or before sending another entry - whichever comes first. Please note that this information should be updated within 6 banking days to help merchants avoid delays, failures, or returns in future transactions.

Common reasons for initiating NOCs

The information in an ACH entry (Direct Deposit/Direct Payment) is outdated and needs to be changed.
Information contained in an ACH entry (Direct Deposit/Direct Payment) is incorrect and needs to be corrected.
Banks have elected to consolidate routing numbers and want the merchant to use a different one than the one provided with the payment.

Note: A bank routing number is a 9-digit code used to identify the customer's financial institution. The routing number can often be found in the bottom-left corner of a check.

Common NOC informational codes

Code	Description	Action to be taken
C01	Incorrect Account Number	Update the receiver's bank account number.
C02	Incorrect Routing Number	Update the 9-digit transit/routing number.
C03	Incorrect Routing & Account Number	Both fields need to be updated.
C04	Bank account name change	The customer has changed their name, or the ODFI submitted their name incorrectly.
C05	Incorrect Transaction Code	Change the account type (e.g., Savings to Checking).
C06	Incorrect Account Number & Trans. Code	Update the account number and the account type.
C07	Incorrect transit/routing number, bank account number and payment code	Changes are required in the three fields indicated.

If you have additional questions about an ACH Notification of Change or the notification process, please contact partner support.