PAYROLL: Automatic Bank NOC Handling

Keka US Payroll now supports automatic handling of Notification of Change (NOC) updates received from banks, along with enhancements to the employee bank verification flow. These improvements ensure NACHA compliance, reduce payment failures, and streamline direct deposit management.

What is a Notification of Change (NOC)?

A Notification of Change (NOC) is issued by the Receiving Depository Financial Institution (RDFI) when bank details—such as account number, routing number, or account type—require correction.

Even if a payroll credit succeeds, NACHA regulations mandate that corrections be applied within 6 banking days to prevent future delays or rejections.

Auto-Update of Bank Account Details

When a NOC is received:

• Bank account details are automatically updated for:
  • Employees / Contractors
  • Legal Entities
• Notification emails are sent to affected payroll admins and/or employees.
• Updates maintain consistency between Check and Keka.
• Future payroll disruptions due to outdated bank details are prevented.

This ensures compliance and eliminates the need for manual intervention.

Key Changes

• Bank accounts are no longer verified at the time of addition.
• Verification occurs after the first successful payroll credit.
• “Verification Processing” status is renamed to Verification Pending.
• Users can access the Manage Banks screen even if payment method is set to manual.

Key Benefits

• Ensures NACHA compliance with automatic NOC application
• Reduces payroll delays and rejected transactions
• Removes manual correction workflows
• Improves flexibility in net pay split configuration
• Simplifies failed bank account recovery

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