What is a Notification of Change?

A Notification of Change (NOC) is an ACH message that the receiving bank wants you to update account details. The payment may have posted. The next one will fail or mis-route if you ignore the NOC. Typical changes are a new account number, a new routing number, or a corrected name.

How does a NOC work?

The RDFI files a COR entry with a change code. Your processor gives you the old identifiers and the new ones. You update the stored account and use the new values on the next file. Nacha expects you to apply the change before you originate again.

NOC vs return

A return unwinds the item. A NOC keeps the item and asks you to fix the record. Treating a NOC as a failure will delay a payment that already worked. Ignoring it will break the next one.

Where do you store the new number?

On the instrument you will file next time, not only in a log. The ledger metadata on the old payment is history. The identity or payout method is what you originate from.

How it works with Blnk

A NOC does not move a balance. Update the account you will use on the next ACH, and keep the change code on that record. If you stored the old number in transaction metadata, leave it. History stays.