5-17
6-1
A Guide to Federal Government ACH Payments
Notification of
Change
In this chapter…
A: Introduction to Notification of Change .............................................................................................. 6-2
When to use NOCs ...................................................................................................................................................... 6-2
Benefit Payments ............................................................................................................................................................. 6-2
Other Payment Types ..................................................................................................................................................... 6-2
When to use NOCs, ENRs, or Other Ways to Change Recipient Information ...................................... 6-2
Processing Timeframes ............................................................................................................................................ 6-3
What to do if an agency does not respond to a NOC within two payment cycles: ............................ 6-3
Change Reason Codes ............................................................................................................................................... 6-3
Claim Number Structure .......................................................................................................................................... 6-4
Claim Number Structure Table ............................................................................................................................. 6-4
B: Other Change Methods ............................................................................................................................ 6-4
Financial Institution Actions .................................................................................................................................. 6-5
C: Refused Notification of Change ............................................................................................................. 6-7
Federal Agencies Using Refused NOCs ............................................................................................................... 6-7
Pr
ocessing Timeframes ............................................................................................................................................ 6-7
Refused NOC Codes .................................................................................................................................................... 6-7
6
6-2
A Guide to Federal Government ACH Payments
6. Notification of Change
Green Book
A: Introduction to Notification of Change
Notification of Change (NOC), which is the name for Nacha’s Standard Entry Class (SEC) code COR, is
a method used by a financial institution to notify a federal agency to correct or change account
information in an entry the federal agency processed through the ACH. Refer to current Nacha
Operating Rules & Guidelines for formats and instructions.
Note: ENRs should not be used in place of NOCs to correct account information. Please see Chapter 1,
Section F, Enrollment Guidance, for more information about when ENRs can be used.
When to use NOCs
NOCs are used for federal government (both civil and military) payments that are made on a
recurring basis. Examples are:
Benefit Payments
x
Benefit payments issued by Department of Veterans Affairs,
x
Civil service retirement payments issued by Office of Personnel Management,
x
Benefit payments issued by Railroad Retirement Board,
x
Social Security benefit payments, and
x
Supplemental Security Income payments.
Other Payment Types
x
Federal salary,
x
TreasuryDirect, and
x
Vendor and miscellaneous.
When to use CORs, ENRs, or Other Ways to Change Recipient Information
To change Recipient would
Title/ownership of account
Interest of the recipient or beneficiary in the account
Complete a new enrollment
From one financial institution to another
New bank account number at the existing financial
institution
Submit ENR or COR
Name of recipient or change of mailing address Contact the federal agency that authorized the
payment
Account information for one-time payments One-time payments require a new authorization
6. Notification of Change
Green Book
6-3
A Guide to Federal Government ACH Payments
Processing Timeframes
Generally, CORs will be processed for the next ACH transaction. Due to operational limitations, it
may take two payment cycles for some CORs to be processed.
What to do if an agency does not respond to a COR within two payment
cycles:
•
Verify that the COR was properly formatted. Make sure that the COR contained the correct
original RDFI routing number.
•
If the COR was correctly formatted, contact Fiscal Service. See Contact information below. Fiscal
Service will work with the agency for resolution.
•
Make sure that rejected CORs are acknowledged and resolved (See below).
If you have any questions, contact the Fiscal Service Payment Management Call Center, at
855-868-0151, Option 1.
Change Reason Codes
The federal government’s disbursing systems are only able to process the following six authorized
COR/Change codes: C01, C02, C03, C05, C06, and C07. The federal agencies will not process any
others.
The following table shows when to use the Change Reason Codes.
Change Reason Code When to Use
C01 - Incorrect Account Number Correct data entry errors in the account information.
Issue a new number to an existing account.
Modify the account numbering system (e.g. to drop a branch code).
C02 - Incorrect RTN Accommodate a merger or system consolidation.
Change the RTN to the preferred RTN for the financial institution.
C03 - Incorrect RTN and Incorrect
Account Number
Accommodate a merger or system consolidation.
C05 - Incorrect Transaction Code Change from checking to savings or savings to checking.
C06 - Incorrect Account Number
and Incorrect Transaction
Code
Correct a data entry error in the account information and change
from checking to savings or savings to checking.
Issue a new account number and transaction code.
C07 - Incorrect RTN, Incorrect
Account Number and
Incorrect Transaction Code
Accommodate a merger or system consolidation.
Note: The only Transaction Codes recognized by the federal government for CORs are:
For checking (demand) For savings For General Ledger
22 (credit)
27 (debit)
32 (credit)
37 (debit)
42 (credit)
6. Notification of Change
Green Book
6-4
A Guide to Federal Government ACH Payments
Claim Number Structure
Federal agencies have special structures for their claim numbers (Individual ID number). The claim
number is important to identifying the payment recipient whose payment information must be
changed.
Accurate formatting of the claim number is critical for processing changes. Note that pattern
differences exist between federal agencies. These claim numbers must include all spaces, hyphens,
prefixes, suffixes, alphanumeric characters, and trailing or leading zeros that accompanied the
original payment information.
Claim Number Structure Table
The following table represents correct claim number structures used in formatting CORs.
Agency Claim Number Structure Example
Social Security Administration 999999999XX
999999999X
999999999
123456789C1
123456789A
123456789
Office of Personnel Management Xb9999999bXb
Xb9999999b9b
F_1234567_W_
A_1234567_0_
Department of Veterans Affairs
999999999b99b99
99999999b99b99
162306890_10_01
12345678_00_06
Railroad Retirement Board
Retirement/Annuity
Unemployment/Sickness
XXX999999999b9b
Xbb999999bbbb9b
XXbZZZZZ9bbbb9b
bbb999999999
WCA123456789_7_
A 123456 1_
WD_000006 8_
123456789
Department of Labor 999999999XXbXXb 123456789LW_MB_
Key: X = alphanumeric, 9 = numeric, b = blank, Z = zero filled, _ = space
B: Other Change Methods
Financial institutions not using CORs may continue to submit:
•
corrected Direct Deposit Sign-Up Forms (FS Form 1199As) to federal agencies, or
•
letters to federal agencies requesting changes.
6. Notification of Change
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6-5
A Guide to Federal Government ACH Payments
Financial Institution Actions
The table below contains instructions for financial institutions not using CORs.
Type of Payment
Fewer than 100 payments
(mail corrected SF119As or letters)
More than 100
payments (call)
Air Force
Active Duty Reserve
Air National Guard
Active Duty Allotments
Defense Finance and Accounting Service
6760 E. Irvington Place
Building 444/JMS
Denver, CO 80279-3000
(303) 676-4326
(303) 676-7213
Army
Active Duty Reserve
Active Duty Allotments
DFAS - Indianapolis Center
8899 E. 56th Street
Indianapolis, IN 46249-2801
(888) 332-7411
Coast Guard
Active Duty (Code PS)
Reserves (Code RES)
Retired (Code RPD)
Commanding Officer (Code )
US Coast Guard
Pay and Personnel Center
444 SE Quincy Street
Topeka, KS 66683-3591
(785) 339-3506
Department of Veterans Affairs
Veterans Compensation, Pension or Education
(MGIB)
Veterans Life Insurance
VA Regional Office that maintains the
veteran’s records
(877) 838-2778
(215) 842-2000
ext. 14270
Fiscal Service
Federal Housing Administration
Debenture Payments
State and Local Government Series Securities
Payments
United States Mortgage Guaranty Insurance
Company and Tax Loss Bonds Payments
Bureau of the Fiscal Service
Special Investments Branch Warehouse
and Operations Center, Dock 1
257 Bosley Industrial Park Drive
Parkersburg, WV 26101
(304) 480-5299
TreasuryDirect
Bureau of the Fiscal Service
Treasury Retail Securities Services
P.O. Box 9150
Minneapolis, MN 55480-9150
(844) 284-2676
Note: Financial institutions should submit systemwide changes to TreasuryDirect with the understanding that they agree to
pay the Treasury and security owners
f
or any losses resultin
g
f
rom errors made by the institution. (31 CFR part 370.12)
Savings Bonds
Federal Reserve
Bank of Pittsburgh
P.O. Box 299
Pittsburgh, PA 15230-0299
(800) 322-1909
Federal Salary and Allotment payments
Federal salary and Allotment payments
(including payments by the military to civilian
employees) (FED SALARY)
Federal employing agency authorizing the payment (address
where original FS Form 1199As were mailed). If address is
unknown, contact recipient/member.
Marine Corps DFAS - Kansas City Center (888) 332-7411
6. Notification of Change
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6-6
A Guide to Federal Government ACH Payments
Type of Payment
Fewer than 100 payments
(mail corrected SF119As or letters)
More than 100
payments (call)
Active Duty/Reserve
Active Duty Allotment
1500 E. 95th Street
Kansas City, MO 64197-0001
Military Retirement Pay
Army, Air Force, Navy and Marine Corps
DFAS - Cleveland Center Retired Pay
Operations
P.O. Box 99191
Cleveland, OH 44199-1126
(800) 321-1081
fax: (800) 469-6559
DC Metro Area ONLY:
(202) 606-0500
Navy
Active Duty
Reserve
DFAS - Cleveland Center/JFECA
1240 East Ninth Street
Cleveland, OH 44199-2055
(216) 522-5855
Office of Personnel Management
Civil Service Retirement
(Annuity)
(CIVIL SERVE)
Office of Personnel Management
Retirement Operations Center
P.O. Box 45
Boyers, PA 16017
(888) 767-6738
fax: (724) 794-6633
Railroad Retirement Board
Railroad Retirement
(RR RET)
Railroad Retirement Board
Direct Deposit Coordinator
844 North Rush Street
Chicago, IL 60611
(312) 751-4704
6. Notification of Change
Green Book
6-7
A Guide to Federal Government ACH Payments
C: Refused Notification of Change
Refused Notification of Change is an automated method used by a federal agency to notify the
originating financial institution that the COR information initiated cannot be processed.
Federal Agencies Using Refused CORs
The Social Security Administration (SSA), the Railroad Retirement Board (RRB), and the Office of
Personnel Management (OMB) are the only federal agencies processing Refused CORs at this time.
Processing Timeframes
CORs that cannot be processed are usually refused to the financial institution before the next
payment is submitted.
Refused COR Codes
There are six refused COR codes authorized for federal government ACH entries:
Code Reason
C64 Incorrect individual identification
C65 Incorrectly formatted corrected data
C66 Incorrect discretionary data
C67 Routing Transit Number not from original Entry Detail Record
C68 DFI Account Number not from original Entry Detail Record
C69 Incorrect Transaction Code
