The ACH payment file contains a file header record, a file control record, a
company/batch header record, a company/batch control record, and an entry detail
record.
ACH file header record
| Field |
Position |
Data type/size |
| Record Type Code |
1 |
Numeric (01) |
| Priority Code |
2-3 |
Numeric (02) |
| Destination Bank |
4-13 |
Alphanumeric (10) |
| Sending Bank |
14-23 |
Alphanumeric (10) |
| File Creation Date |
24-29 |
Numeric (06) |
| File Creation Time |
30-33 |
Numeric (04) |
| File ID Modifier |
34 |
Alphanumeric (01) |
| Record Size |
35-37 |
Numeric (03) |
| Blocking Factor |
38-39 |
Numeric (02) |
| Format Code |
40 |
Numeric (01) |
| Destination Name |
41-63 |
Alphanumeric (23) |
| Sender's Name |
64-86 |
Alphanumeric (23) |
| Reference Code |
87-94 |
Alphanumeric (08) |
ACH file control record
| Field |
Position |
Data type/size |
| Record Type Code |
1 |
Numeric (01) |
| Batch Count |
2-7 |
Numeric (06) |
| Block Count |
8-13 |
Numeric (06) |
| Entry Count |
14-21 |
Numeric (08) |
| Entry Hash |
22-31 |
Numeric (10) |
| Total Debit Entry Amount |
32-43 |
Numeric (10.2) |
| Total Credit Entry Amount |
44-55 |
Numeric (10.2) |
| Filler |
56-94 |
Alphanumeric (39) |
ACH company/batch header record
| Field |
Position |
Data type/size |
| Record Type Code |
1 |
Numeric (01) |
| Service Class Code |
2-4 |
Numeric (03) |
| Company Name |
5-20 |
Alphanumeric (16) |
| Company Discretionary Data |
21-40 |
Alphanumeric (20) |
| Company ID |
41-50 |
Alphanumeric (10) |
| Standard Entry Class Code |
51-53 |
Alphanumeric (03) |
| Company Entry Description |
54-63 |
Alphanumeric (10) |
| Company Description |
64-69 |
Alphanumeric (06) |
| Effective Date |
70-75 |
Numeric (06) |
| Filler |
76-78 |
Alphanumeric (03) |
| Originator Status Code |
79 |
Numeric (01) |
| Originating DFI ID |
80-87 |
Alphanumeric (08) |
| Batch Number |
88-94 |
Numeric (07) |
ACH company/batch control record
| Field |
Position |
Data type/size |
| Record Type Code |
1 |
Numeric (01) |
| Service Class Code |
2-4 |
Numeric (03) |
| Entry Count |
5-10 |
Numeric (06) |
| Entry Hash |
11-20 |
Numeric (10) |
| Total Debit Entry Dollar Amt |
21-32 |
Numeric (10.2) |
| Total Credit Entry Dollar Amt |
33-44 |
Numeric (10.2) |
| Company ID |
45-54 |
Alphanumeric (10) |
| Message Authentication Code |
55-73 |
Alphanumeric (19) |
| Filler |
74-79 |
Alphanumeric (06) |
| Originating DFI ID |
80-87 |
Alphanumeric (08) |
| Batch Number |
88-94 |
Numeric (07) |
ACH entry detail record
| Field |
Position |
Data type/size |
| Record Type Code |
1 |
Numeric (01) |
| Transaction Code |
2-3 |
Numeric (02) |
| Receiving DFI ID |
4-11 |
Numeric (08) |
| Check Digit |
12 |
Numeric (01) |
| DFI Account Number |
13-29 |
Alphanumeric (17) |
| Amount |
30-39 |
Numeric (8.2) |
| Identification Number |
40-54 |
Alphanumeric (15) |
| Receiving Company Name |
55-76 |
Alphanumeric (22) |
| Discretionary Data |
77-78 |
Alphanumeric (02) |
| Addenda Record Indicator |
79 |
Numeric (01) |
| Trace Number |
80-94 |
Alphanumeric (15) |