Retired ACH Notification of Change code
C12 NOC code (retired): Incorrect Company Name and Company Identification
C12 is a retired change code: RDFIs no longer send it. Removed from the Nacha Rules in 2003, with C10–C12, because RDFIs seldom used them.
What C12 meant
C12 was the change code Incorrect Company Name and Company Identification
. Like any NOC, it answered an entry that had posted and told the Originator what to correct before the next one.
- Until 2003 an RDFI could send C12 when both the Company Name and the Company Identification in the batch header were wrong.
- Nacha removed C10, C11 and C12 that year because RDFIs seldom used them.
If you see C12 today
Nothing to correct because of a C12 today; the Company Name and Company Identification are the Originator’s own fields, set up with its ODFI.
The change codes in use today are C01, C02, C03, C05, C06, C07, C08, C09, C13, C14; a file or code table that still lists C12 predates its removal.
How C12 appeared in a NACHA file
A NOC is a zero-dollar entry in a batch with SEC code COR. Its entry detail record carries a return-type transaction code (21, 26, 31 or 36) and one addenda record of type 98:
| Positions | Field | In a C12 NOC |
|---|---|---|
| 1 | Record Type Code | 7 (addenda) |
| 2–3 | Addenda Type Code | 98 (Notification of Change) |
| 4–6 | Change Code | C12 |
| 7–21 | Original Entry Trace Number | Trace number of the entry being corrected |
| 22–27 | Reserved | Blank |
| 28–35 | Original Receiving DFI Identification | First 8 digits of the original entry’s RDFI routing number |
| 36–64 | Corrected Data | Correct Company Name in positions 1–16, Company Identification in 17–26 |
| 65–79 | Reserved | Blank |
| 80–94 | Trace Number | The NOC entry’s own trace number |
To read a NOC file record by record, open the file in NACHA Navigator, a free sister site that parses NACHA files in your browser without uploading them.
Look up C12 from code or an AI agent
curl -s 'https://payopskit.com/api/v1/codes/C12?set=ach-noc'{
"jsonrpc": "2.0",
"id": 1,
"method": "tools/call",
"params": {
"name": "lookup_payment_code",
"arguments": {
"code": "C12",
"set": "ach-noc"
}
}
}{
"code": "C12",
"set": "ach-noc",
"found": true,
"matches": [
{
"set": "ach-noc",
"code": "C12",
"name": "Incorrect Company Name and Company Identification",
"description": "Retired Notification of Change code: RDFIs no longer send it. Removed from the Nacha Rules in 2003, with C10–C12, because RDFIs seldom used them. Corrected data was: Correct Company Name in positions 1–16, Company Identification in 17–26.",
"details": {
"refused": false,
"retired": true,
"correctedData": "Correct Company Name in positions 1–16, Company Identification in 17–26",
"timeframe": "The RDFI transmits the NOC within 2 banking days of the settlement date of the original entry; the Originator makes the change within 6 banking days of receiving the NOC information or before its next entry, whichever is later",
"timeframeKind": "banking-days",
"timeframeDays": 2,
"caveat": "Retired. Removed from the Nacha Rules in 2003, with C10–C12, because RDFIs seldom used them. An RDFI should not send it today."
}
}
]
}The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.
Source: Nacha Operating Rules, Appendix Five (Notification of Change). The code’s title is the Rules’ own; the rest is this site’s plain-language summary, informational and not a substitute for the Rules or your ODFI agreement.