Change files

A Notification of Change (NOC) is a non-dollar entry transmitted from a receiving depository financial institution (RDFI) to the originating depository financial institution (ODFI). These are sent in response to outdated or erroneous information in an initial entry. An NOC often occurs due to bank mergers or acquisitions that change account and/or routing numbers. If an RDFI sends an NOC, the ODFI will need to inform their originator promptly.

The Standard Entry Class code for an NOC is “COR”. There are a few possible reasons for an NOC, each defined by a “change code”. The most common codes are C01 for an incorrect account number and C02 for an outdated routing number. We have a list of supported change codes below.

NOCs are identified by an Addenda98 record on the EntryDetail with a ChangeCode that can be processed.

Processing

The RDFI must send an NOC within two banking days of the original entry settlement date (to which the NOC is in response to).

The ODFI is responsible for forwarding an NOC to the Originator within two banking days of the NOC settlement date. They must provide the Originator with the following information at a minimum:

• Company name
• Company identification
• Company Entry description
• Effective Entry date
• DFI account number
• Individual name/receiving company name

• Individual identification number

• Change code
• Original Entry trace number
• Original RDFI identification
• Corrected data

The Originator must make specified changes within six banking days of receiving the above information or prior to initiating another entry to the receiver’s account (whichever is later).

Creation

When creating an NOC entry, add an Addenda98 record onto the EntryDetail with the appropriate change code.

addenda98 := ach.NewAddenda98()
addenda98.ChangeCode = "C01"
addenda98.OriginalTrace = "121042880000001"
addenda98.OriginalDFI = "121042882"
addenda98.CorrectedData = "1918171614"
addenda98.TraceNumber = "91012980000088"

//entry.Addenda98 = addenda98

Change codes

Refused Notification of Change

When ODFIs cannot forward entries to the Originator or a NOC is malformed, invalid or otherwise unable to be processed a Refused NOC may be issued. This will indicate a Refused Change Code to be handled and must be initiated within 15 days of receipt of the NOC.