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
R01Insufficient Funds
R02Account Closed
R03No Acct/Unable to locate
R04Invalid Acct No.
R05Reserved
R06Returned Per Request
R07Authorization Revoked by Customer
R08Stop Payment
R09Uncollected Funds
R10Customer Advises Not Authorized
R11Check Truncation Entry Return
R12Branch Sold to Another DFI
R13RDFI Not Qualified to Participate
R14Representative Payee Deceased
R15Beneficiary or Acct Holder Deceased
R16Account Frozen
R17File Record Edit Criteria
R18Improper Effective Entry Date
R19Amount Field Error
R20Non-Transaction Account
R21Invalid Company Identification
R22Invalid Individual ID Number
R23Credit Entry Refused by Receiver
R24Duplicate Entry
R25Addenda Error
R26Mandatory Field Error
R27Trace Number Error
R26Mandatory Field Error
R27Trace Number Error
R28Routing Number Check Digit Error
R29Corporate Customer Advises Not Authorized
R30RDFI Not Participant In Check Truncation Program
R31Permissible Return Entry
R32RDFI Non-SettlementĀ 
R33Return of XCK Entry
R34Limited Participation DFI
R35Return of Improper Debit Entry
R36Return of Improper Credit Entry
R50State Law Affecting RCK Acceptance
R64Incorrect Individual Identification
R65Incorrect Transaction Code
R66Incorrect Company Identification
R67Duplicate Return
R68Untimely Return
R69Multiple Errors
R70Permissible Entry Return Not Accepted
R71Misrouted Dishonored Return
R72Untimely Dishonor Return
R73Timely Original Return
R74Corrected Return
R80Cross Border Pymt Coding Error
R81Non Participant in Cross Border
R82Invalid Foreign Receiving DFI Identification
R83Foreign Receiving DFI Unable to Settle
R84Entry not Processed by OGO
R85Incorrectly coded outbound International Payment

Supported Account Types

Account TypeTransaction Code
CheckingCredits - 22, Debits - 27
SavingCredits - 32, Debits - 37
GLCredits - 42, Debits - 47