>> Payment

Table of Contents

Direct Deposit Processing
Notifications of Change

Notifications of Change (NOCs) are automated electronic messages that financial institutions send through the ACH system to notify the Comptroller’s office of issues with the payee’s financial account information.

NOCs can be a

Please see NOC Reason Codes.

Daily Direct Deposit Report Review

The messages received from financial institutions for changes and deletions of direct deposit instructions are listed on daily reports:

Custodial agencies need to monitor these reports for updates to direct deposit instructions. Automated NOCs become effective immediately and do not go through the three banking days prenote period.

The reports contain the following information:

Custodial agencies should also monitor monthly reports on their payees:

For more information including remote printing, please see TINS Reports.

Note: NACHA rules do not require financial institutions to verify the name on a prenote to the name(s) on the account. If the payee is set up with the wrong account number and the account is a valid account, the prenote process will not identify the error and payments will be direct deposited to the wrong individual or entity.