NOC and Return ACH Codes
Each Notification of Change (NOC) or Return includes one of the reason codes listed in the tables below.
When a transaction is returned, the notification includes a Return Code that lets you know the reason for the return. For example, R01 means the transaction was returned due to Insufficient Funds. Returned transactions do not post to the receiving account, so they may need to be resubmitted. Depending on the Return reason, you may need to confirm the payment details with the receiver or receiving bank and make any necessary corrections to the Counterparty details before resubmitting.
NOCs don't require resubmitting the payment since the original ACH transaction successfully posts to the receiver account. The notification includes a Change Code that lets you know which information needs to be corrected for any future payments. For example, C01 means the receiver account number is incorrect. You would need to confirm the details with the receiver or receiving bank and make any necessary corrections to the Counterparty details before sending any future payments.
| NOC Code | Reason |
|---|---|
| C01 | Incorrect DFI Account Number |
| C02 | Incorrect Routing Number |
| C03 | Incorrect Routing and DFI Number |
| C04 | Incorrect Individual Name |
| C05 | Incorrect Transaction Code |
| C06 | Incorrect DFI Number and Transaction Code |
| C07 | Incorrect Routing Number, DFI Account Number and Transaction Code |
| C08 | Incorrect Foreign RDFI ID (IAT) |
| C09 | Incorrect Individual ID Number |
| C13 | Addenda Format Error |
| C14 | Incorrrect SEC Code for Outbound International Payment |
| Return Code | Reason |
|---|---|
| R01 | Insufficient Funds |
| R02 | Account Closed |
| R03 | No Acct/Unable to locate |
| R04 | Invalid Acct No. |
| R05 | Reserved |
| R06 | Returned Per Request |
| R07 | Authorization Revoked by Customer |
| R08 | Stop Payment |
| R09 | Uncollected Funds |
| R10 | Customer Advises Not Authorized |
| R11 | Check Truncation Entry Return |
| R12 | Branch Sold to Another DFI |
| R13 | RDFI Not Qualified to Participate |
| R14 | Representative Payee Deceased |
| R15 | Beneficiary or Acct Holder Deceased |
| R16 | Account Frozen |
| R17 | File Record Edit Criteria |
| R18 | Improper Effective Entry Date |
| R19 | Amount Field Error |
| R20 | Non-Transaction Account |
| R21 | Invalid Company Identification |
| R22 | Invalid Individual ID Number |
| R23 | Credit Entry Refused by Receiver |
| R24 | Duplicate Entry |
| R25 | Addenda Error |
| R26 | Mandatory Field Error |
| R27 | Trace Number Error |
| R26 | Mandatory Field Error |
| R27 | Trace Number Error |
| R28 | Routing Number Check Digit Error |
| R29 | Corporate Customer Advises Not Authorized |
| R30 | RDFI Not Participant In Check Truncation Program |
| R31 | Permissible Return Entry |
| R32 | RDFI Non-Settlement |
| R33 | Return of XCK Entry |
| R34 | Limited Participation DFI |
| R35 | Return of Improper Debit Entry |
| R36 | Return of Improper Credit Entry |
| R50 | State Law Affecting RCK Acceptance |
| R64 | Incorrect Individual Identification |
| R65 | Incorrect Transaction Code |
| R66 | Incorrect Company Identification |
| R67 | Duplicate Return |
| R68 | Untimely Return |
| R69 | Multiple Errors |
| R70 | Permissible Entry Return Not Accepted |
| R71 | Misrouted Dishonored Return |
| R72 | Untimely Dishonor Return |
| R73 | Timely Original Return |
| R74 | Corrected Return |
| R80 | Cross Border Pymt Coding Error |
| R81 | Non Participant in Cross Border |
| R82 | Invalid Foreign Receiving DFI Identification |
| R83 | Foreign Receiving DFI Unable to Settle |
| R84 | Entry not Processed by OGO |
| R85 | Incorrectly coded outbound International Payment |
Supported Account Types
| Account Type | Transaction Code |
|---|---|
| Checking | Credits - 22, Debits - 27 |
| Saving | Credits - 32, Debits - 37 |
| GL | Credits - 42, Debits - 47 |
Updated about 1 year ago