Notification of Change (NOC)

Last updated: March 21, 2025

What is a Notification of Change?

A Notification of Change (NOC) is an alert used to notify the sender of an ACH payment to update details related to a customer’s bank account that have changed or are incorrect. NOCs are created by the Receiving Depository Financial Institution (RDFI) and sent to the Originating Depository Financial Institution (ODFI). NOCs help ensure that future transactions are processed accurately without any disruptions.

NOC Process

Orum automates the NOC process so you receive them directly via webhook. We relay the following information to you via the transfer response body:

The Nacha correction code
Detail of what needs to be changed
Detail of what the new value needs to be

When a NOC is received, the transfer_updated webhook event is sent.

There is be no change in transfer status, as a NOC can exist on a transfer of any status and will not trigger the transfer to fail.

Webhook Updates

In the event that a NOC occurs, the transfer response body will look like this:

   "destination": {
          "reason_code": "notification_of_change_1",
          "reason_code_message": "Incorrect Account Number",
          "network_reason_code": "CO1",
          "network_reason_code_message": "Updated Info: 123456790",
          "network_reason_code_rail_type": "ach"
        }

The Automated NOC will be conveyed via the existing parameters and corresponding details:

Parameter	Details
`network_reason_code`	Nacha Correction Code (e.g. C01)
`reason_code_message`	NOC Reason Text that Orum gets from the processor (e.g. Incorrect account number)
`network_reason_code_message`	Correction info that Orum gets from the processor (e.g. 123456789

If a NOC occurs on a transfer that has also incurred a return, Orum will notify you of both events. In this case, a separate transfer_updated webhook will be sent for each event, but the events will always look like this:

"destination": {  
          "reason_code": "string",  
          "reason_code_message": "string",  
          "network_reason_code": "string",  
          "network_reason_code_message": "string",  
          "network_reason_code_rail_type": "string"

Common NOC Responses

Network Reason Code	Reason Code	Reason Code Message	Network Reason Code Message	Description
C01	`notification_of_change_1`	Incorrect bank account number	Correct customer information	Bank account number incorrect or formatted incorrectly
C02	`notification_of_change_2`	Incorrect routing number	Correct customer information	Once valid transit/routing number must be changed
C03	`notification_of_change_3`	Incorrect transit/routing number and bank account number	Correct customer information	When valid, transit/routing number must be changed and will cause a change to bank account number structure
C04	`notification_of_change_4`	Bank account name change	Correct customer information	Customer has changed name or ODFI submitted name incorrectly
C05	`notification_of_change_5`	Incorrect payment code	Correct customer information	Entry posted to demand account should contain savings payment codes or vice versa
C06	`notification_of_change_6`	Incorrect bank account number and transit code	Correct customer information	Bank account number must be changed and payment code should indicate posting to another account type (demand/savings)