---
title: ACH Notification of Change handling
subtitle: Learn how external account information is updated.
route: /treasury/moving-money/notification-of-change
---

# ACH Notification of Change handling

Learn how external account information is updated.

When you originate an ACH transaction with Stripe (for example, using `InboundTransfer`, `OutboundTransfer`, or `OutboundPayment` objects with Treasury), the financial institution receiving the transaction might return a Notification of Change (NOC). This is a message indicating that new information is available about the destination account (such as a new account number or routing number).

ACH network rules require Stripe to update saved account information when we receive an NOC. We automatically process the NOC by updating the relevant `PaymentMethod` or `BankAccount` object and notify you through a webhook. You might want to monitor these webhooks to inform your users that account information has changed or to update account information that you’ve persisted outside of Stripe.

| NOC type                                       | Fields updated                           |
| ---------------------------------------------- | ---------------------------------------- |
| Account number                                 | `account_number`, `last4`, `fingerprint` |
| Routing number                                 | `routing_number`, `fingerprint`          |
| Account use (for example, checking or savings) | `account_type`, `fingerprint`            |

NOCs aren’t processed for `OutboundPayment` objects where payment method details are provided inline (using `destination_payment_method_data`) as there is no persisted `PaymentMethod` or `BankAccount` object in this case to update.

## NOC for a PaymentMethod

When we receive an NOC for a transaction originated with a `PaymentMethod` object:

* Stripe updates the `PaymentMethod` and triggers a `payment_method.updated` webhook.
* If the `PaymentMethod` is attached to a `Customer` (for use with `OutboundPayment` objects), Stripe triggers a `customer.source.updated` webhook.
* If the `PaymentMethod` is attached directly to a Stripe account (for use with `InboundTransfer` or `OutboundTransfer` objects), Stripe triggers an `account.external_account.updated` webhook.

## NOC for a BankAccount

When we receive an NOC for a transaction originated with a `BankAccount` object:

* Stripe updates the `BankAccount` object.
* If the `BankAccount` is attached to a `Customer` (for use with `OutboundPayment` objects), Stripe triggers a `customer.source.updated` webhook.
* If the `BankAccount` is attached directly to a Stripe account (for use with `InboundTransfer` or `OutboundTransfer` objects), Stripe triggers an `account.external_account.updated` webhook.

In cases where the `BankAccount` that’s set up as your platform’s primary external account is updated, Stripe also notifies you by email. We don’t send an email for updates to external accounts that are attached to your connected accounts’ Stripe accounts, or for updates to external accounts attached to `Customer` objects.