Direct Deposit Processing
NOC Reason Codes
Notifications of Change (NOCs) are automated messages that financial institutions send through the ACH network to notify the Comptroller’s office of changes to the payee’s direct deposit (DD) instructions.
Except for Report Only responses, TINS automatically updates the payee record based on the NOC code.
When direct deposit information is updated or canceled due to an NOC, the Payee Maintenance History (PMTHIS) screen will include a history record that displays the NOC reason code.
| Reason Code* | Description | TINS Response |
|---|---|---|
| C01 | Incorrect Account Number | Change Account Number |
| C02 | Incorrect Transit/Routing Number | Change Routing Number |
| C03 | Incorrect Routing and Account Number | Change Account/Routing Number |
| C05 | Incorrect Transaction Code (Checking/Savings) | Change Account Type (22 or 32) |
| C07 | Incorrect Routing Number, Account Number and Transaction Code | Change Acct/Rout/Type Numbers |
| R01 | Insufficient Funds | Report Only |
| R02 | Account Closed | Delete DD Instructions |
| R03 | No Account/Unable to Locate Account | Delete DD Instructions |
| R04 | Invalid Account Number | Delete DD Instructions |
| R06 | Returned by ODFI’s Request | Report Only |
| R07 | Authorization Revoked by Customer | Delete DD Instructions |
| R10 | Customer Advises Not Authorized | Delete DD Instructions |
| R12 | Branch Sold to Another Depository Financial Institution | Delete DD Instructions |
| R14/R15 | Account Holder Deceased | Delete DD Instructions |
| R16 | Account Frozen/Entry Returned per OFAC Instruction | Delete DD Instructions |
| R17 | File Record Edit Criteria or Questionable | Report Only See ACR 60382 |
| R20 | Non Transaction Account | Delete DD Instructions |
| *C = Change codes / R = Return codes | ||