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An itemized list of ACH notifications of change specifying customer bank accounts that contain inaccurate or outdated information, and the updated information that needs to be corrected before another payment can be sent from (or to) the account.
FieldDescription
ACCEPTOR_NAMEA human readable description used to uniquely label the Acceptor. It is assigned during onboarding of the Acceptor and mapped to the Acceptor ID. Maximum of 255 characters. Other processors may refer to this as a Billing descriptor.
ACCEPTOR_REFERENCEA unique identifier created and managed by the entity holding the direct relationship with the Acceptor, and assigned to the Acceptor with a one-to-one mapping to Tesouro’s Acceptor ID. Other processors may refer to this as Location ID, Store ID, Club ID, etc.
ACCOUNT_NUMBERThe original bank account number.
ACCOUNT_NUMBER_UPDATEDThe updated bank account number.
ACCOUNT_TYPEThe type of bank account, either Checking or Savings, specified on the original transaction.
ACCOUNT_TYPE_UPDATEDThe updated bank account type.
ACTIVITY_DATEThe date the notification of change was received by Tesouro.
CHANGE_REASONA reader friendly description of the Change reason code.
CHANGE_REASON_CODEA unique code signaling that information in a prior ACH entry needs updating.
IDA unique, 36 character identifier created by Tesouro and assigned to the notification.
ORGANIZATION_IDA unique 36 character identifier created by Tesouro, and assigned to the notification.
PAYMENT_IDThe unique 36 character identifier created by Tesouro, and used to identify the organization holding the relationship with Tesouro.
ROUTING_NUMBERThe original unique nine-digit number identifying the bank.
ROUTING_NUMBER_UPDATEDThe updated routing number.
TRANSACTION_ACTIVITY_DATEThe date Tesouro recognized the transaction that triggered the notification of change. Formatted as YYY-MM-DD
TRANSACTION_AMOUNTThe amount of the transaction request sent to Tesouro.
TRANSACTION_CURRENCYThe currency specified on the transaction request, in ISO 4217 alpha currency code format.
TRANSACTION_DATE_TIMEThe date and time that Tesouro received the transaction request, in UTC. Formatted as 2024-03-27T02:40:00Z
TRANSACTION_IDThe unique 36 character identifier Tesouro assigned to the transaction that triggered the notification of change.
TRANSACTION_REFERENCEThe unique identifier assigned to the transaction by the acceptor (or partner) and included in original transaction request sent to Tesouro.
TRANSACTION_TYPEThe type of transaction, either an ACH debit (sale) or ACH debit (refund).

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Report availability

The report is generated daily by 10:00 AM ET, encrypted, and placed in the outbound directory of an SFTP location dedicated for your use. (This schedule can be configured to later cadences to suit your needs, e.g., a later time in the day, every other day, weekly, monthly, etc.) Reports expire and removed from the SFTP location after 14 calendar days.

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Report format

  • CSV file, following the RFC 4180 standard
  • File name: ach_nocs_{startdate:YYYYMMDD}-{endDate:YYYYMMDD}_{generationDate:YYYYMMDDThhmmss}.csv
  • Values are separated using commas.
  • Values containing commas are enclosed within double quotes.
  • Values containing double-quotes are escaped by two double quote preceding it.