Requirements The National Automated Clearing House Association (NACHA) file format requirements for the ACH file. - ACH Origination file records are 94 characters in length, block 10 in EBCDIC or ASCII, depending on media
- It requires a standard label for tape only
- For more information, refer to the Operating Rules of the National Automated Clearing House Association
File records and format File Header Record | Field | Position | Size | Contents | Description | | 1 | 01-01 | 1 | '1' | Record Type Code | | 2 | 02-03 | 2 | '01' | Priority Code | | 3 | 04-13 | 10 | 'b063100277'
Where "b" is a blank | Immediate Destination | | 4 | 14-23 | 10 | Numeric | Immediate Origin | | 5 | 24-29 | 6 | YYMMDD | Transmission Date | | 6 | 30-33 | 4 | HHMM | Transmission Time | | 7 | 34-34 | 1 | 'A' | File ID Modifier | | 8 | 35-37 | 3 | '094' | Record Size | | 9 | 38-39 | 2 | '10' | Blocking Factor | | 10 | 40-40 | 1 | '1' | Format Code | | 11 | 41-63 | 23 | 'The Bank's Name' | Destination | | 12 | 64-86 | 23 | Alphanumeric | Origin (Company Name) | | 13 | 87-94 | 8 | Alphanumeric | Reference Code | Company/Batch Header Record | Field | Position | Size | Contents | Description | | 1 | 01-01 | 1 | '5' | Record Type Code | | 2 | 02-04 | 3 | Numeric | Service Class Code (200 - Debits and Credits) | | 3 | 05-20 | 16 | Alphanumeric | Company Name | | 4 | 21-40 | 20 | Alphanumeric | Company Discretionary Dat | | 5 | 41-50 | 10 | Alphanumeric | Company Identification | | 6 | 51-53 | 3 | Alphanumeric | Standard Entry Class(PPD - Prearranged Payment or Deposit) | | 7 | 54-63 | 10 | Alphanumeric | Company Entry Description | | 8 | 64-69 | 6 | YYMMDD | Company Descriptive Date | | 9 | 70-75 | 3 | Blank | Settlement Date (Julian) | | 11 | 79-79 | 1 | '1' | Originator Status Code | | 12 | 80-87 | 8 | '06310027' | Originating DFI Identification | | 13 | 88-94 | 7 | Numeric | Batch Number | Entry Detail Record | Field | Position | Size | Contents | Description | | 1 | 01-01 | 1 | '6' | Record Type Code | | 2 | 02-03 | 2 | Numeric | Transaction Code
(22 - DDA Credit)
(23 - DDA Prenote Credit)
(27 - DDA Debit) (28 - DDA Prenote Debit)
(32 - Savings Credit)
(33 - Savings Prenote Credit)
(37 - Savings Debit)
(38 - Savings Prenote Debit) | | 3 | 04-11 | 8 | TTTTAAAA | Receiving DFI Identification | | 4 | 12-12 | 1 | Numeric | Transit/Routing Check Digit | | 5 | 13-29 | 17 | Numeric | DFI Account Number (Left Justify) | | 6 | 30-39 | 10 | $$$$$$$$$$ | Amount (in dollars and cents - No decimal, must be zero filled) | | 7 | 40-54 | 15 | Alphanumeric | Individual Identification Number | | 8 | 55-76 | 22 | Alphanumeric | Individual Name | | 9 | 77-78 | 2 | Blank | Discretionary Data | | 10 | 79-79 | 1 | Numeric | Addenda Record Indicator
(0 = No addenda record)
(1 = Addenda record) | | 11 | 80-94 | 15 | Numeric | Trace Number | Company/Batch Control Record | Field | Position | Size | Contents | Description | | 1 | 01-01 | 1 | '8' | Record Code Type | | 2 | 02-04 | 3 | Numeric | Service Class Code
(200 - Debits and Credits) | | 3 | 05-10 | 6 | Numeric | Entry/Addenda Count (Batch) | | 4 | 11-20 | 10 | Numeric | Entry Hash | | 5 | 21-32 | 12 | $$$$$$$$$$$$ | Total Debit Entry (Batch) | | 6 | 33-44 | 12 | $$$$$$$$$$$$ | Total Credit Entry (Batch) | | 7 | 45-54 | 10 | Alphanumeric | Company Identification | | 8 | 55-73 | 19 | Blanks | Reserved | | 9 | 74-79 | 6 | Alphanumeric | Reserved | | 10 | 80-87 | 8 | '06310027' | Originating DFI | | 11 | 88-94 | 7 | Numeric | Batch Number (same as in the 5 record) | File Control Record | Field | Position | Size | Contents | Description | | 1 | 01-01 | 1 | '9' | Record Type Code | | 2 | 02-07 | 6 | Numeric | Batch Count | | 3 | 08-13 | 6 | Numeric | Block Count | | 4 | 14-21 | 8 | Numeric | Entry/Addenda Count (File) | | 5 | 22-31 | 10 | Numeric | Entry Hash | | 6 | 32-42 | 12 | $$$$$$$$$$$$ | Total Debit Entry (File) | | 7 | 44-55 | 12 | $$$$$$$$$$$$ | Total Credit Entry (File) | | 8 | 56-94 | 39 | Blanks | Reserved | Sample file The attached text file provides an example of what the generated NACHA file will look like. Attachment: DirectDepositNACHAtxtfile.txt
[BCB:156:Chat 300 CRE US:ECB]
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