The Return & Change Codes of the NACHA Operating Rules
This quick reference tool is what every ACH participant needs to assist with their day-to-day ACH Operations. In this unique "tennis court" design, you'll have all the Standard Entry Class (SEC) Codes (otherwise referred to as the forward ACH entry); plus all the return reason codes, NOC codes, including timeframes allowed for each according to the ACH Rules, right at your fingertips!
8 ½ x 11 in size when folded; 11 x 17 when opened, this "cheat sheet" resembles a "tennis court" outlining the forward and return process within the ACH Rules. Tennis Racquet #1 identifies forward entries with a complete listing of all SEC Codes. Tennis Racquet #2 defines the return timeframes and all return reason codes, including administrative and unauthorized. Tennis Racquet #3 contains the dishonored return reason codes with timeframes and Tennis Racquet #4 contains the Contested and Corrected Dishonored Return Reason Codes with the required timeframes. The "tennis balls" identify the NOC (Notification of Change) Codes, including refused and corrected NOCs. The center of the tennis court (the net) is represented by the ACH Operator, defining the Return Reason Codes for error conditions, to be used by the ACH Operator ONLY. Pictured in the lower left is a "scorecard" defining the "forward and return process and when it MUST go outside the ACH network for disputes.