ACH Notifications of Change

A Notification of Change (NOC) is a non-financial message stating that an ACH Transfer went through, but information needs to be corrected in future ACH Transfers.

Corrections must be applied within six banking days of receipt, or before the originator sends another ACH Transfer. Making corrections prevents future returns.

Receiving a Notification of Change

1. You send an ACH Transfer and it settles normally. The receiving bank posts the funds but notices that some of the details you sent are outdated.
2. The receiving bank sends a Notification of Change back through the ACH network.
3. Increase records the notification in the original ACH Transfer’s notifications_of_change attribute. An ach_transfer.updated event is emitted.
4. You save the corrected details and use them in future transfers.

To test this flow, you can simulate a Notification of Change in Sandbox.

Sending a Notification of Change

When you receive an Inbound ACH Transfer with details that you’d like corrected, create a Notification of Change to tell the originator to use updated details in future transfers.

It isn’t possible to send a Notification of Change for an account that you do not control.

Examples

Bank acquisition

Bank A, your recipient’s bank, was acquired by Bank B. The recipient now has a new account number under Bank B’s routing number.

You send an ACH transfer using the old Bank A details. Bank B posts the payment to the new account and sends a Notification of Change with the new routing and account numbers.

If you keep using the old details, Bank B will eventually stop accepting them and return your transfers instead.

Incorrect account type

Your recipient tells you their account is a savings account. You send a transfer using those details.

The recipient’s bank can’t find a savings account with that number, but finds a checking account that matches. It posts the payment and sends a Notification of Change correcting the account type to checking.