Sequence of Records and Description

Each NACHA formatted file you originate consists of the following records:

  • A File Header Record
  • One or more Company/Batch Header Record(s)
  • Entry Detail Record(s)
  • Addenda Record(s), if allowed and you choose to include them, or if required
  • One or more Company/Batch Control Record(s)
  • A File Control Record.

Each file begins with a File Header record. Following the File Header Record may be any number of batches. Each batch is identified by a Batch Header Record and contains one or more Entry Detail Records. At the end of each batch is a Batch Control Record. Each file is ended with a File Control Record. The diagram on the following page illustrates the Sequence of Records for ACH entries. The sequence of records will always be the same, regardless of SEC code. Out-of- sequence records or lack of a mandatory record will cause all or portions of the file to reject. Padding with “9” records at the end of the file is optional.

Input File Descriptions

File Header

The File Header Record designates physical file characteristics and identifies the immediate origin of the entries contained within the file or within the transmitted batched data. In addition, this record includes date, time, and file identification fields that can be used to uniquely identify the file.

Company/Batch Header Record

The Company/Batch Header Record identifies the Originator and briefly describes the purpose of the entries that are contained within the batch. For example, “GAS BILL” or “REG SALARY” indicates the reason for the transaction originated by the Originator. It also indicates the intended effective entry date of all transactions within the batch. The information contained in the Company/Batch Header Record applies uniformly to all subsequent Entry Detail Records in the batch. If you wish to vary any of this information, you must create a separate batch. For example, if you are making regular payroll payments and bonus payments then you should create one batch described as “REG SALARY” and another as “BONUS.”

Entry Detail Record

Entry Detail Records contain information that relate the specific entry to the Receiver, such as the Receiving Depository Financial Institution account and routing transit number and the debit or credit amount. Prenotifications (prenotes) are special zero-dollar entries used to test the validity of the account number and transit routing number provided by the Receiver. Prenotes are identical to the basic Entry Detail format but contain appropriate Transaction Codes and zeroes in the amount field. Prenotes can be batched with other dollar entries or batched separately. Zero-dollar entries used in corporate trade payments to deliver remittance information contain appropriate Transaction Codes and zeros in the Amount field but otherwise are formatted the same as other entries. Zero-dollar entries can be batched with other CCD dollar entries or batched separately. One Addenda Record must accompany a CCD zero- dollar entry.

Addenda Records

For non-IAT entries, Addenda Records are used by the Originator to supply additional information about Entry Detail Records to the Receiver. For many types of entries, such as payroll, addenda records are optional. Addenda Records are usually required for tax payments.

Company/Batch Control Record

The Company/Batch Control Record contains the counts, hash totals, and total dollar controls for the preceding detail entries within the indicated batch. All Entry Detail Records are hashed. (The method for calculating hash totals is provided in the Entry Information column in the Record Layouts.) Both Entry Detail Records and Addenda Records are included in the entry/addenda counts; Batch Header and Batch Control Records are not included.

File Control Record

The File Control Record contains dollar, entry, and hash total accumulations from the Company/Batch Control Records in the file. This record also contains counts of the number of blocks and the number of batches within the file (or batched data transmitted to a single destination).

NACHA Data Entry Specifications

All alphanumeric and alphabetic fields must be left justified and space filled. All numeric fields must be right justified, unsigned, and zero filled. Characters used in ACH records are restricted to 0-9, A-Z, space, and those special characters which have an EBCDIC value greater than hexadecimal "3F" or an ASCII value greater than hexadecimal "1F.” Occurrences of values EBCDIC "00" - "3F" and ASCII "00" - "1F" are not valid. Do not use characters that do not meet these requirements.

Field Inclusion Requirements

The following information defines the requirement for inclusion of certain data fields in ACH entries. These designations are: Mandatory (M), Required (R), and Optional (O).

  • Mandatory. A “Mandatory” field contains information necessary to ensure the proper routing and/or posting of an ACH entry. The ACH Operator will reject any entry or batch, which does not have appropriate values in a Mandatory field.
  • Required. The omission of a “Required” field will not cause an entry reject at the ACH Operator, but may cause a reject at the RDFI. For example, if the DFI Account Number field in the Entry Detail Record is omitted, the RDFI may return the entry because it cannot be posted. You should include appropriate values in “Required” fields to avoid processing and control problems at the RDFI.
  • Optional. The inclusion or omission of an “Optional” data field is at the discretion of the Originator. If you do include optional fields, the RDFI must include them in any return.

Annotated NACHA Record Formats

File Header Record - All Formats

The File Header Record designates physical file characteristics. It also identifies the Bank as the immediate destination and your company as the immediate origin of the file.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '1' Record Type Code Code Identifying the File Header Record is '1' M
2 02-03 2 '01' Priority Code Currently, only "01" is used R
3 04-13 10 bNNNNNNNNN Immediate Destination The Immediate Destination Field identifies the party to which the file is being delivered. Usually the Routing Number of the ACH operator M
4 14-23 10 NNNNNNNNNN Immediate Origin The Immediate Origin Field identifies the sender of the file. M
5 24-29 6 YYMMDD File Creation Date The date you create or transmit the input file:
“YY” = Last two digits of the Year
“MM” = Month in two digits
“DD” = Day in two digits
M
6 30-33 4 HHMM File Creation Time Time of day you create or transmit the input file. This field is used to distinguish among input files if you submit more than one per day:
“HH = Hour based on a 24 hr clock
“MM” = Minutes in two digits
O
7 34-34 1 UPPER CASE A-Z (or 0-9) File ID Modifier Code to distinguish among multiple input files sent per day. Label the first (or only) file “A” (or “0”) and continue in sequence. M
8 35-37 3 "094" Record Size Number of bytes per record-always 94. M
9 38-39 2 "10" Blocking Factor Number of records per block M
10 40-40 1 "1" Format Code Currently only “1” is used M
11 41-63 23 Alphanumeric Immediate Destination Name This field contains the name of the ACH Operator or Receiving Point for which that File is destined M
12 64-86 23 Alphanumeric Immediate Origin or Company Name This field contains the name of the ACH Operator or Sending Point that is Transmitting the File M
13 87-94 8 Alphanumeric Reference Code You may use this field to describe the input file for internal accounting purposes or fill with spaces. O

Company/Batch Header Record Formats

A batch is a collection of like entries within a file. You must use a separate batch if any of the batch-level information, such as effective date or company name or company description changes.

Batch Header Record - All SECs Except IAT

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '5' Record Type Code Code Identifying the Company /Batch Header Record is '5' M
2 02-04 3 Numeric Service Class Code Identifies the type of entries in the batch 200 - ACH Entries Mixed Debits and Credits M
3 05-20 16 Alpha-Numeric Company Name Company Name O
4 21-40 20 Alpha-Numeric Company Discretionary Data The use of this field is defined by the ODFI O
5 41-50 10 Numeric Company Identification 10 Digit Company Number M
6 51-53 3 Alpha Standard Entry Class Code Standard Entry Class Code M
7 54-63 10 Alpha-Numeric Company Entry Description Transaction Description M
8 64-69 6 Alpha-Numeric Company Descriptive Date The date you choose to identify the transaction O
9 70-75 6 YYMMDD Effective Entry Date Date transactions are to be posted to the participants account R
10 76-78 3 Blanks Settlement Date (Julian) Inserted by ACH Operator Inserted by ACH Operator
11 79-79 1 Numeric Originator Status Code "1" M
12 80-87 8 Numeric Originating DFI Identification Standard Entry Detail Trace Number M
13 88-94 9 Numeric Batch Number Number Batches Sequentially M

Company/Batch Control Record Formats

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '8' Record Type Code Code Identifying the Company /Batch Header Record is '8' M
2 02-04 3 '200'
'220'
'225'
Service Class Code Identifies the type of entries in the batch. Must match the value used in the Batch Header Record M
3 05-10 6 Numeric Entry/Addenda Count Total Number of Entry Detail Records plus addenda records (Record Types "6" and "7") in the batch. Requires 6 positions, right-justify, left zero fill M
4 11-20 20 Numeric Entry Hash Total of eigh-character Transit Routing/ACA numbers in the batch. Do not include the Transit Routing Check Digit. Enter the ten low-order (right most) digits of this number M
5 21-32 12 $$$$$$$$$$¢¢ Total Debit Entry Dollar Amount in Batch Dollar total of debit entries in the batch. If none, zer-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
6 33-44 12 $$$$$$$$$$¢¢ Total Credit Entry Dollar Amount in Batch Dollar total of credit entries in the batch. If none, zer-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
7 45-54 10 NNNNNNNNNN Company Identification 10 Digit Company Number M
8 55-73 19 Alpha-Numeric Message Authentication Code The MAC is an-eight character code derived from a special key used in conjunction with the DES algorithm. The MAC is used to validate the authenticity of ACH Entries. The DES algorithm and key message standards must be in accordance with standards adopted by the American National Standards Institute. The remaining eleven characters of this field are blank. O
9 74-79 6 Alpha-Numeric Reserved Leave Blank n/a
10 80-87 8 NNNNNNNN Originating DFI Identification Standard Entry Detail Trace Number M
11 88-94 9 Numeric Batch Number Number Batches Sequentially. Must match that of the Batch Headder. M

ACK Acknowledgement Record (CCD)

The ACK entry is an acknowledgement by the Receiving Depository Financial Institution (RDFI) that a Corporate Credit (CCD) has been received.

ACK Entry Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Original Entry trace Number The original Detail Record trace number M
8 55-76 22 Alpha-Numeric Receiving Company Name Receiver's Company Name M
9 77-78 2 Alpha-Numeric Discretionary Data The use of this field is defined by the ODFI O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

ACK Addenda Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 80 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. O
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1.” M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

ADV Automated Accounting Advice

The ADV entry identifies a Non-Monetary Entry that is used by an ACH Operator to provide accounting information regarding an entry to participating DFI's. It's an optional service provided by ACH operators and must be requested by a DFI wanting the service.

ADV Batch Control Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '8' Record Type Code Code Identifying the Company /Batch Header Record is '8' M
2 02-04 3 '200'
'220'
'225'
Service Class Code Identifies the type of entries in the batch. Must match the value used in the Batch Header Record M
3 05-10 6 Numeric Entry/Addenda Count Total Number of Entry Detail Records plus addenda records (Record Types "6" and "7") in the batch. Requires 6 positions, right-justify, left zero fill M
4 11-20 10 Numeric Entry Hash Total of eight-character Transit Routing/ACA numbers in the batch. Do not include the Transit Routing Check Digit. Enter the ten low-order (right most) digits of this number M
5 21-40 20 $$$$$$$$$$¢¢ Total Debit Entry Dollar Amount in Batch Dollar total of debit entries in the batch. If none, zero-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
6 41-60 20 $$$$$$$$$$¢¢ Total Credit Entry Dollar Amount in Batch Dollar total of credit entries in the batch. If none, zero-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
7 61-79 19 Alpha-Numeric ACH Operator Data This field is used as specified by the ACH operator O
8 80-87 8 NNNNNNNN Originating DFI Identification Originating DFI Identification M
9 88-94 7 Numeric Batch Number Number Batches Sequentially. Must match that of the Batch Headder. M

ADV File Control Record

The File Control record contains dollar, entry, and hash totals from the file's Company/Batch Control Records. This record also contains counts of the blocks and batches in the file.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '9' Record Type Code Code Identifying the File Control Record is '9' M
2 02-07 6 Numeric Batch Count Total number of Company/Batch Header Records (Record Type “5”) in the file. M
3 08-13 6 Numeric Block Count Total number of physical blocks in the file, including the File Header and File Control Records. M
4 14-21 8 Numeric Entry / Addenda Count Total number of Entry Detail and Addenda Records (Record Types “6” and “7”) in the file. M
5 22-31 10 Numeric Entry Hash Total of eight character Transit Routing/ABA numbers in the file (Field 3 of the Entry Detail Record). Do not include the Transit Routing Check Digit. Enter the 10 low-order (right most) digits of this number. For example,if this sum is 998877665544, enter 8877665544. M
6 32-51 20 $$$$$$$$$$$$$$$$$$$$¢¢ Total Debit Entry Dollar Amount in File Dollar total of debit entries in the file. If none, zero-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
7 52-71 20 $$$$$$$$$$$$$$$$$$$¢¢ Total Credit Entry Dollar Amount in File Dollar total of credit entries in the file. If none, zero-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
8 72-94 23 blank Reserved Leave this field blank. n/a

ADV Detail Entry

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-27 15 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 28-39 12 $$$$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-48 9 Numeric Advice Routing Number This field contains the Routing Number and Check Digit of the DFI or Correspondent, as defined by the ACH Operator M
8 49-53 5 Alpha-Numeric File Identification This field contains the File Creation Date and File ID Modifier O
9 54-54 1 Alpha-Numeric ACH Operator Data This field is used as specified by the ACH operator O
10 55-76 22 Alpha-Numeric Individual Name The name associated with the advice routing number R
11 77-78 2 Alpha-Numeric Discretionary Data The use of this field is defined by the ODFI O
12 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
13 80-87 8 TTTTAAAA Routing Number of ACH Operator The Routing number of th ACH operator M
14 87-90 3 Numeric Julian Date Julian Date on which this advice is Created M
15 91-94 4 Numeric Sequence Number Sequence Number Within Batch M

ARC Accounts Receivable Entry

Accounts Receivable Entry A consumer check converted to a one-time ACH debit. The difference between ARC and POP is that ARC can result from a check mailed in where as POP is in-person.

ARC Accounts Receivable Detail Record

The Accounts Receivable (ARC) Entry provides billers the opportunity to initiate single-entry ACH debits to customer accounts by converting checks at the point of receipt through the U.S. mail, at a drop box location or in-person for payment of a bill at a manned location. The biller is required to provide the customer with notice prior to the acceptance of the check that states the receipt of the customer’s check will be deemed as the authorization for an ARC debit entry to the customer’s account. The provision of the notice and the receipt of the check together constitute authorization for the ARC entry. The customer’s check is solely be used as a source document to obtain the routing number, account number and check serial number.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 9 Alpha-Numeric Check Serial Number The serial number of the check being represented M
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name O
9 77-78 2 Blank Discretionary Data The use of this field is defined byu the ODFI O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
O
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

ATX Acknowledgement Record (CTX)

The ATX entry is an acknowledgement by the Receiving Depository Financial Institution (RDFI) that a Corporate Credit (CTX) has been received.

ATX Entry Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits. Valid codes are:
22 = Automated deposit (checking credit)
23 = Prenote of checking credit
24 = Zero-dollar checking credit with remittance data (CCD & CTX entries only)
27 = Automated payment (checking debit)
28 = Prenote of checking debit
29 = Zero-dollar checking debit with remittance data (CCD & CTX entries only)
32 = Automated deposit (savings credit)
33 = Prenote of savings credit
34 = Zero-dollar savings credit with remittance data (CCD & CTX entries only)
37 = Automated payment (savings debit)
38 = Prenote of savings debit
39 = Zero-dollar savings debit with remittance data (CCD & CTX entries only)
M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. Right-justified, left zero-filled, without a decimal point. Enter 10 zeros for non-dollar prenote entries. M
7 40-54 15 Alpha-Numeric Identification Number This field contains the accounting number by which the Receiver is known to the Originator for descriptive purposes. NACHA Rules recommend but do not require the RDFI to print the contents of this field on the receiver‟s statement. R
8 55-58 4 Numeric Number of Addenda Records Number of addenda records associated with this transaction. M
9 59-74 16 Alpha-Numeric Receiving Company Name/ID Number Name of Receiver. M
10 75-76 2 blank reserved Leave blank n/a
11 77-78 2 blank Discretionary Data Field The use of this field is defined by the ODFI. O
12 79-79 1 Numeric Addenda Record Indicator '1' = addenda included O
13 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

ATX Addenda Record

Up to 9,999 Addenda Records may be included with a ATX Entry Detail Record. The addenda should not be used with pre notes.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 80 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. O
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1.” M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

BOC Back Office Conversion

Back Office Conversion Entry A single entry debit initiated at the point of purchase or at a manned bill payment location to transfer funds through conversion to an ACH debit entry during back office processing. Unlike ARC entries, BOC conversions require the customer to be present and a notice that checks may be converted to BOC ACH entries be posted.

BOC Back Office Conversation Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 9 Alpha-Numeric Check Serial Number The serial number of the check being represented M
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name O
9 77-78 2 Blank Discretionary Data The use of this field is defined byu the ODFI O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
O
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

CCD Corporate Credit or Debit

CCD Corporate Credit or Debit is an entry used to facilitate business-to-business (B2B) ACH Payments.

CCD Corporate Credit or Debit Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Identification Number Receiver's identification number O
8 55-76 22 Alpha-Numeric Receiving Company Name Receiver's Name R
9 77-78 2 Alpha-Numeric Discretionary Data For your company's internal use if desired. No specific format is required. O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

CCD Corporate Credit or Debit Addenda Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 7 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. O
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1”. M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

CIE Customer-Initiated Entries

Customer-Initiated Entry is a credit entry initiated on behalf of, and upon the instruction of, a consumer to transfer funds to a non-consumer Receiver. CIE entries are usually transmitted to a company for payment of funds that the consumer owes to that company and are initiated by the consumer through some type of online banking product or bill payment service provider. With CIEs, funds owed by the consumer are “pushed” to the biller in the form of an ACH credit, as opposed to the biller’s use of a debit application (e.g., PPD, WEB) to “pull” the funds from a customer’s account.

CIE Entry Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Individual Name This field is entered by the ODFI to provide additional identification for the Receiver and may be helpful in identifying returned Entries. Field 7, rather than Field 8, of the Entry Detail Record is used for the Individual Name R
8 55-76 22 Alpha-Numeric Individual Identification Number This field contains the accounting number by which the Originator (payor) is known to the Receiver (payee). It is used by the Receiver to update accounts receivable Records. It should be the number shown on an invoice, statement, billhead, notice, or other communication as the reference. Numbers may be policy, customer, invoice, meter, sequence, and/or alphanumeric combinations. Field 8, rather than Field 7, of the Entry Detail Record is used for the Individual Identification Number. M
9 77-78 2 Alpha-Numeric Discretionary Data This field in the Entry Detail Record allows ODFIs to include codes, of significance to them, to enable specialized handling of the Entry. There is no standardized interpretation for the value of this field. It can either be a single two-character code, or two distinct one-character codes, according to the needs of the ODFI and/or Originator involved. This field must be returned intact for any returned Entry. O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

CIE Addenda Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 80 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. O
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1”. M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

CTX Corporate Trade Exchange

The Corporate Trade Exchange (CTX) application provides the ability to collect and disburse funds and information between companies. Generally it is used by businesses paying one another for goods or services. These payments replace checks with an electronic process of debiting and crediting invoices between the financial institutions of participating companies.

CTX Entry Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits. Valid codes are:
22 = Automated deposit (checking credit)
23 = Prenote of checking credit
24 = Zero-dollar checking credit with remittance data (CCD & CTX entries only)
27 = Automated payment (checking debit)
28 = Prenote of checking debit
29 = Zero-dollar checking debit with remittance data (CCD & CTX entries only)
32 = Automated deposit (savings credit)
33 = Prenote of savings credit
34 = Zero-dollar savings credit with remittance data (CCD & CTX entries only)
37 = Automated payment (savings debit)
38 = Prenote of savings debit
39 = Zero-dollar savings debit with remittance data (CCD & CTX entries only)
M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. Right-justified, left zero-filled, without a decimal point. Enter 10 zeros for non-dollar prenote entries. M
7 40-54 15 Alpha-Numeric Identification Number This field contains the accounting number by which the Receiver is known to the Originator for descriptive purposes. NACHA Rules recommend but do not require the RDFI to print the contents of this field on the receiver‟s statement. R
8 55-58 4 Numeric Number of Addenda Records Number of addenda records associated with this transaction. M
9 59-74 16 Alpha-Numeric Receiving Company Name/ID Number Name of Receiver. M
10 75-76 2 blank reserved Leave blank n/a
11 77-78 2 blank Discretionary Data Field The use of this field is defined by the ODFI. O
12 79-79 1 Numeric Addenda Record Indicator '1' = addenda included O
13 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

CTX Addenda Record

Up to 9,999 Addenda Records may be included with a CTX Entry Detail Record. The addenda should not be used with prenotes.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 80 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. O
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1”. M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

DNE Death Notification Entry

Death Notification Entry (DNE) is a batch file sent from United States Federal agencies (e.g. Social Security) notifying depository financial institutions to the death of a government benefits receiver.

DNE Entry Detail

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits. M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. Must be 10 zeros for DNE. M
7 40-54 15 Alpha-Numeric Identification Number This field contains the accounting number by which the Receiver is known to the Originator for descriptive purposes. NACHA Rules recommend but do not require the RDFI to print the contents of this field on the receiver‟s statement. O
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name R
11 77-78 2 blank Discretionary Data Field The use of this field is defined by the ODFI. O
12 79-79 1 Numeric Addenda Record Indicator '1' = addenda included. M
13 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

DNE Addenda

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 80 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. O
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1”. M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

ENR Automated Enrollment Entry

ENR (Automated Enrollment Entry) is a non-monetary entry that enrolls a person with an agency of the US government for a depository financial institution.

ENR Entry Detail

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits. M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. Must be 10 zeros for ENR. M
7 40-54 15 Alpha-Numeric Identification Number This field contains the accounting number by which the Receiver is known to the Originator for descriptive purposes. NACHA Rules recommend but do not require the RDFI to print the contents of this field on the receiver‟s statement. O
8 55-58 4 Numeric Number of Addenda Records How many Addenda05 records are on this entry. M
9 59-74 35 Alphanumeric Receiving Company Name/Individual Name Insert receiver's name M
10 75-76 2 Blank Reserved N/A M
11 77-78 2 blank Discretionary Data Field The use of this field is defined by the ODFI. O
12 79-79 1 Numeric Addenda Record Indicator '1' = addenda included. M
13 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

ENR Addenda

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 80 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. R
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1”. M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

MTE Machine Transfer Entry

Machine Transfer Entry (MTE) supports the clearing of transactions from automated teller machines.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits. M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. Must be 10 zeros for ENR. M
7 40-54 15 Alpha-Numeric Individual Name Receiver's Name M
8 55-76 22 Alpha-Numeric Identification Number This field contains the accounting number by which the Receiver is known to the Originator for descriptive purposes. NACHA Rules recommend but do not require the RDFI to print the contents of this field on the receiver‟s statement. M
9 77-78 2 Alphanumeric Discretionary Data Field The use of this field is defined by the ODFI. O
10 79-79 1 Numeric Addenda Record Indicator '1' = addenda included. M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

MTE Addenda

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '02' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-10 7 Alphanumeric Transaction Description R
4 11-13 4 Alphanumeric Network Identification Code O
5 14-19 6 Alphanumeric Terminal Identification code R
6 20-25 6 Alpha-Numeric Transaction Serial Number Entry amount in dollars with two decimal places. R
7 26-29 4 MMDD Transaction Date This date, expressed MMDD, identifies the date on which the transaction occurred. R
8 30-35 6 HHMMSS Transaction Time This time, expressed HHMMSS, identifies the time on which the transaction occurred. R
9 36-62 27 Alpha-Numeric Terminal Location This field identifies the specific location of a terminal (i.e., street names of an intersection, address, etc.) in accordance with the requirements of Regulation E. R
10 63-77 15 Alpha-Numeric Terminal City Identifies the city in which the electronic terminal is located R
11 78-79 2 Alpha-Numeric Terminal State Identifies the state in which the electronic terminal is located R
12 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

POP Point-of-Purchase

Point-of-Purchase Entry A check presented in-person to a merchant for purchase is presented as an ACH entry instead of a physical check.

This ACH debit application is used by originators as a method of payment for the in-person purchase of goods or services by consumers. These Single Entry debit entries are initiated by the originator based on a written authorization and account information drawn from the source document (a check) obtained from the consumer at the point-of-purchase. The source document, which is voided by the merchant and returned to the consumer at the point-of-purchase, is used to collect the consumer’s routing number, account number and check serial number that will be used to generate the debit entry to the consumer’s account.

POP Point-of-Purchase Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-04 3 '200'
'220'
'225'
Service Class Code Identifies the type of entries in the batch. Code “200” indicates a mixed batch, i.e., one containing debit and/or credit entries; “220” is for credits only; “225” is for debits only. M
3 05-20 16 Alphanumeric Company Name Your company name. NACHA rules require the RDFI to print this value on the receiver‟s statement so you will want to make this value as clear as possible. M
4 21-40 20 Alphanumeric Company Discretionary Data For your company's internal use. O
5 41-50 10 NNNNNNNNN Company Identification The Company Identification field carries the Originator’s unique identification number. M
6 51-53 3 'WEB', 'PPD', etc Standard Entry Class Code A mnemonic, designated by NACHA, which permits entries to be distinguished. Identifies the specific record format used to carry payment and payment-related information. M
7 54-63 10 Alpha-Numeric Company Entry Description You establish the value of this field to provide a description to be displayed to the Receiver. Description should describe the purpose of the entries, such as “PAYROLL” or “ECHECKPAY” for consumer entries or “TRADE PAY” for corporate receivers. NACHA Rules require that RDFIs print this value on the Receiver's account statement. M
8 64-69 6 Alpha-Numeric Company Descriptive Date Description you choose to identify the date. NACHA recommends, but does not require, that RDFIs print this value on the receiver's statement. O
9 70-75 6 YYMMDD Effective Entry Date Date you desire funds to post to receiver's account in YYMMDD format. R
10 76-78 3 blanks Settlement Date (Julian) The ACH Operator will populate the actual settlement date in this field. R
11 79-79 1 '1' Originator Status Code Identifies the Originator as a non-Federal Government entity. M
12 80-87 8 NNNNNNNN Originating DFI Identification The Originating institutions Routing Number M
13 88-94 7 Numeric Batch Number Assign batch numbers in ascending order within each file. M

POS Point-of-Sale

Point of Sale Entry A POS Entry is a debit Entry initiated at an “electronic terminal” to a Consumer Account of the Receiver to pay an obligation incurred in a point- of-sale transaction, or to effect a point-of-sale terminal cash withdrawal.

Point-of-Sale Entries (POS) are ACH debit entries typically initiated by the use of a merchant-issued plastic card to pay an obligation at the point-of-sale. Much like a financial institution issued debit card, the merchant- issued debit card is swiped at the point-of-sale and approved for use; however, the authorization only verifies the card is open, active and within the card’s limits—it does not verify the Receiver’s account balance or debit the account at the time of the purchase. Settlement of the transaction moves from the card network to the ACH Network through the creation of a POS entry by the card issuer to debit the Receiver’s account.

POS Entry Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 9 Alpha-Numeric Individual Identification Number The serial number of the check being represented O
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name R
9 77-78 2 Alpha-Numeric Card Transaction Type This code is used by card processors to identify the type of transaction, such as a purchase, cash advance, or reversal. Values for this field are assigned by the major card Organizations. Code Values:
01 Purchase of goods or services
02 Cash
03 Return Reversal
11 Purchase Reversal
12 Cash Reversal
13 Return
21 Adjustment
99 Miscellaneous Transaction
M
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

POS Addenda Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '02' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-10 7 Alpha-Numeric Reference Information #1 This field may be used for additional reference numbers, identification numbers, or codes that the merchant needs to identify the particular transaction or customer. O
4 11-13 3 Alpha-Numeric Reference Information #2 This field may be used for additional reference numbers, identification numbers, or codes that the merchant needs to identify the particular transaction or customer. O
5 14-19 6 Alpha-Numeric Terminal Identification Code This field identifies an Electronic terminal with a unique code that allows a terminal owner and/or switching network to identify the terminal at which an Entry originated. R
6 20-25 6 Alpha-Numeric Transaction Serial Number Entry amount in dollars with two decimal places. R
7 26-29 4 MMDD Transaction Date This date, expressed MMDD, identifies the date on which the transaction occurred. R
8 30-35 6 Alpha-Numeric Authorization Code or Card Expiration Date This field indicates the code that a card authorization center has furnished to the merchant. O
9 36-62 27 Alpha-Numeric Terminal Location This field identifies the specific location of a terminal (i.e., street names of an intersection, address, etc.) in accordance with the requirements of Regulation E. R
10 63-77 15 Alpha-Numeric Terminal City Identifies the city in which the electronic terminal is located R
11 78-79 2 Alpha-Numeric Terminal State Identifies the state in which the electronic terminal is located R
12 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

PPD Prearranged Payment and Deposit Entries

Prearranged Payment and Deposit Entries is a recurring entry for direct deposit of payroll, pension, etc., or for direct payment of recurring bills such as utilities, loans, etc.

Prearranged Payment and Deposit Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Individual Identification Number Receiver's identification number. This number may be printed on the receiver's bank statement by the Receiving Financial Institution M
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name M
9 77-78 2 Alpha-Numeric Discretionary Data The use of this field is defined by the ODFI O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

RCK Represented Check Entries

Represented Check entry is a physical check that was presented but returned because of insufficient funds may be represented as an ACH entry.

RCK Represented Check Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Check Serial Number The serial number of the check being represented M
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name M
9 77-78 2 Alpha-Numeric Discretionary Data The use of this field is defined byu the ODFI O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

SHR Shared Network Entry

Shared Network Entry A SHR entry a debit Entry initiated at an “electronic terminal,” as that term is defined in Regulation E, to a Consumer Account of the Receiver to pay an obligation incurred in a point-of-sale transaction, or to effect a point-of-sale terminal cash withdrawal. Also an adjusting or other credit Entry related to such debit Entry, transfer of funds, or obligation. SHR Entries are initiated in a shared network where the ODFI and RDFI have an agreement in addition to these Rules to process such Entries.

SHR Entry Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-43 4 MMDD Card Expiration Date This code is used by cardholder processors and cardholder Financial Institutions to verify that the card remains valid and that certain security procedures required by various card authorization systems have been met. R
8 44-54 11 Numeric Document Reference Number This field further defines the transaction in the event of a Receiver’s inquiry. An example is an Electronic sequence number R
9 55-76 22 Numeric Individual Card Account Number The Individual Card Account Number is the number assigned by the card issuer and is obtained from the card itself. R
10 77-78 2 Alpha-Numeric Card Transaction Type This code is used by card processors to identify the type of transaction, such as a purchase, cash advance, or reversal. Values for this field are assigned by the major card Organizations. Code Values:
01 Purchase of goods or services
02 Cash
03 Return Reversal
11 Purchase Reversal
12 Cash Reversal
13 Return
21 Adjustment
99 Miscellaneous Transaction
M
11 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
12 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

SHR Addenda Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '02' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-10 7 Alpha-Numeric Reference Information #1 This field may be used for additional reference numbers, identification numbers, or codes that the merchant needs to identify the particular transaction or customer. O
4 11-13 3 Alpha-Numeric Reference Information #2 This field may be used for additional reference numbers, identification numbers, or codes that the merchant needs to identify the particular transaction or customer. O
5 14-19 6 Alpha-Numeric Terminal Identification Code This field identifies an Electronic terminal with a unique code that allows a terminal owner and/or switching network to identify the terminal at which an Entry originated. R
6 20-25 6 Alpha-Numeric Transaction Serial Number Entry amount in dollars with two decimal places. R
7 26-29 4 MMDD Transaction Date This date, expressed MMDD, identifies the date on which the transaction occurred. R
8 30-35 6 MMDD Authorization Code or Card Expiration Date This field indicates the code that a card authorization center has furnished to the merchant. O
9 36-62 27 Alpha-Numeric Terminal Location This field identifies the specific location of a terminal (i.e., street names of an intersection, address, etc.) in accordance with the requirements of Regulation E. R
10 63-77 2 Alpha-Numeric Terminal City Identifies the city in which the electronic terminal is located R
11 78-79 2 Alpha-Numeric Terminal State Identifies the state in which the electronic terminal is located R
12 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

TEL Telephone-Initiated Entry

Telephone-Initiated Entry Detail Record is used for the origination of a Single Entry debit transaction to a consumer’s account pursuant to an oral authorization obtained from the consumer via the telephone.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Individual Identification Number Receiver's identification number. This number may be printed on the receiver's bank statement by the Receiving Financial Institution M
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name M
9 77-78 2 Alpha-Numeric Payment Type Code Input 'R' for Recurring payments, and 'S' for single-entry payment O
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

TRC/TRC Truncated Entries

Truncated Entries This Standard Entry Class Code is used to identify a debit entry of a truncated check.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 9 Alpha-Numeric Check Serial Number The serial number of the check being represented O
8 55-60 6 Alpha-Numeric Process Control Field Code which identifies the document type R
9 55-60 16 Alpha-Numeric Item Research Number The MICR location number for check item research R
10 77-78 2 Blank Item Type Indicator Indicates the type of items being truncated. Code: 01 - Value: NACS Truncated Items O
11 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
O
12 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

TRX Truncated Entries

Check Truncation Entries Exchange This Standard Entry Class Code is used to identify a debit entry of a truncated checks (multiple).

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits. Valid codes are:
22 = Automated deposit (checking credit)
23 = Prenote of checking credit
24 = Zero-dollar checking credit with remittance data (CCD & CTX entries only)
27 = Automated payment (checking debit)
28 = Prenote of checking debit
29 = Zero-dollar checking debit with remittance data (CCD & CTX entries only)
32 = Automated deposit (savings credit)
33 = Prenote of savings credit
34 = Zero-dollar savings credit with remittance data (CCD & CTX entries only)
37 = Automated payment (savings debit)
38 = Prenote of savings debit
39 = Zero-dollar savings debit with remittance data (CCD & CTX entries only)
M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. Right-justified, left zero-filled, without a decimal point. Enter 10 zeros for non-dollar prenote entries. M
7 40-54 15 Alpha-Numeric Identification Number This field contains the accounting number by which the Receiver is known to the Originator for descriptive purposes. NACHA Rules recommend but do not require the RDFI to print the contents of this field on the receiver‟s statement. R
8 55-58 4 Numeric Number of Addenda Records Number of addenda records associated with this transaction. M
9 59-74 16 Alpha-Numeric Receiving Company Name/ID Number Name of Receiver. M
10 75-76 2 blank reserved Leave blank n/a
11 77-78 2 blank Item Type Indicator Indicates the type of items being truncated. Code: 01 - Value: NACS Truncated Items O
12 79-79 1 Numeric Addenda Record Indicator '1' = addenda included O
13 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

TRX Addenda Record

Up to 9,999 Addenda Records may be included with a TRX Entry Detail Record.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Entry Detail Record is '7' M
2 02-03 2 '05' Addenda Type Code The Addenda Type Code defines the specific interpretation and format for the addenda information contained in the Entry. M
3 04-83 80 Alpha-Numeric Payment Related Information This field contains payment related ANSI ASC X12 data segments to further identify the payment or Transmit additional remittance information. O
4 84-87 4 Numeric Addenda Sequence Number This number is consecutively assigned to each Addenda Record following an Entry Detail Record. The first addenda sequence number must always be a “1”. M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail or Corporate Entry Detail Record’s trace number. This number is the same as the last seven digits of the trace number of the related Entry Detail Record or Corporate Entry Detail Record. M

WEB Internet Authorized Entries

Internet Authorized Entries Entry submitted pursuant to an authorization obtained via the the internet, mobile device, or wireless network.

WEB Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Individual Identification Number Receiver's identification number. This number may be printed on the receiver's bank statement by the Receiving Financial Institution M
8 55-76 22 Alpha-Numeric Individual Name Receiver's Name M
9 77-78 2 Alpha-Numeric Payment Type Code Input 'R' for Recurring payments, and 'S' for single-entry payment R
10 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
11 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

XCK Destroyed Check Entry

Destroyed Check Entry This application can be utilized by a collecting institution for the collection of certain checks when those checks have been destroyed.

XCK Entry Detail Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-29 17 Alpha-Numeric DFI Account Number Receiver's account number at the RDFI, a value found on the MICR line of a check R
6 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
7 40-54 15 Alpha-Numeric Check Serial Number The serial number of the check being represented M
8 55-60 6 Alpha-Numeric Process Control Field This field contains an optional code, as obtained from a check or sharedraft, which generally indentifies the document type. The field is usally located to the right of the account number in the on-us field of the MICR line and is sometimes called a transaction code. R
9 61-76 16 Alpha-Numeric Item Research Number This field contains the MICR locator number for Check item research. R
10 77-78 2 Alpha-Numeric Discretionary Data The use of this field is defined by the ODFI. 0
11 79-79 1 Numeric Addenda Record Indicator "0" = no addenda
"1" = one addenda included
M
12 80-94 15 Numeric Trace Number Standard Entry Detail Trace Number M

IAT International ACH Transaction

International ACH Transaction entry is a credit or debit ACH entry that is part of a payment transaction involving a financial agency’s office (i.e., depository financial institution or business issuing money orders) that is not located in the territorial jurisdiction of the United States. IAT entries can be made to or from a corporate or consumer account and must be accompanied by seven (7) mandatory addenda records identifying the name and physical address of the Originator, name and physical address of the Receiver, Receiver’s account number, Receiver’s bank identity and reason for the payment.

IAT Batch Header Record

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '5' Record Type Code The code identifying the Company/Batch Header Record M
2 02-04 3 '200'
'220'
'225'
Service Class Code Identifies the type of entries in the batch.
“200” = mixed debits and credits
“220” = credits only
“225” = debits only
M
3 05-20 16 blank IAT Indicator Leave blank O
4 21-22 2 'FF' Foreign Exchange Indicator Fixed-to-Fixed - No currency conversion. Entry is originated in a fixed-value amount and is to be received in the same fixed-value amount in the same currency. Fixed-value entries will have spaces in the Foreign Exchange Reference field. M
5 23-23 1 '3' Foreign Exchange Reference Indicator Code used to indicate the content of the Foreign Exchange Reference Field.
“3” = Space filled
R
6 24-38 15 blank Foreign Exchange Reference Space filled R
7 39-40 2 Alphanumeric ISO Destination Country Code This field contains the two-character code, as approved by the International Organization for Standardization (ISO), to identify the country in which the entry is to be received. Values can be found on the International Organization for Standardization website: www.iso.org M
8 41-50 10 Alphanumeric Originator Identification For U.S. entities: the number assigned will be your tax ID
For non-U.S. entities: the number assigned will be your DDA number, or the last 9 characters of your account number if it exceeds 9 characters
M
9 51-53 3 'IAT' Standard Entry Class Code A mnemonic, designated by NACHA, for International ACH Transactions M
10 54-63 10 Alphanumeric Company Entry Description You establish the value of this field to provide a description to be displayed to the Receiver. Should describe the purpose of the entry, such as “PAYROLL” or “TRADE PAY M
11 64-66 3 Alphanumeric ISO Originating Currency Code (Account Currency) This field contains the three-character code, as approved by the International Organization for Standardization (ISO), to identify the currency denomination in which the entry was first originated. If the source of funds is within the territorial jurisdiction of the U.S., enter 'USD', otherwise refer to International Organization for Standardization website for value: www.iso.org M
12 67-69 3 Alphanumeric ISO Destination Currency Code (Payment Currency) This field contains the three-character code, as approved by the International Organization for Standardization (ISO), to identify the currency denomination in which the entry will ultimately be settled. If the final destination of funds is within the territorial jurisdiction of the U.S., enter “USD”, otherwise refer to International Organization for Standardization website for value: www.iso.org M
13 70-75 6 YYMMDD Effective Entry Date Date you desire funds to post to receiver‟s account M
14 76-78 3 blanks Settlement Date (Julian) The ACH Operator will populate the actual settlement date in this field. M
15 79-79 1 '1' Originator Status Code Identifies the Originator as a non-Federal Government entity. M
16 80-87 8 TTTTAAAA Gateway Operator Identification/ ODFI Identification For Inbound IAT Entries, this field contains the routing number of the U.S. Gateway Operator. For Outbound IAT Entries, this field contains the standard routing number, as assigned by Accuity, that identifies the U.S. ODFI initiating the Entry. M
17 88-94 7 Numeric Batch Number Assign batch number in ascending order in each batch M

NOTE: For IAT Return Entries, each field of the Company Batch Header Record remains unchanged from the original record, except:

1) Foreign Exchange Reference - For the return of an outbound International ACH transaction originated by a U.S. ODFI, this field will contain the foreign exchange rate that is applicable at the time of the return entry if a foreign exchange rate is provided within this field on the forward entry.

2) Originator Status Code - Changed to reflect the Originator Status Code of the institution initiating the Return Entry (i.e., the RDFI of the original entry).

3) Gateway Operator Identification/ ODFI Identification - Changed to reflect the Routing number of the institution initiating the Return Entry (i.e., the RDFI of the original entry).

4) Batch Number - Changed to the batch number assigned by the institution preparing the Automated Return Entry.

IAT Entry Detail

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '6' Record Type Code Code Identifying the Entry Detail Record is '6' M
2 02-03 2 Numeric Transaction Code Two-digit code that identifies checking account credits/debits M
3 04-11 8 TTTTAAAA Receiving DFI Identification Routing Transit number of the receivers financial institution M
4 12-12 1 Numeric Check Digit The ninth character of the RDFI Routing Transit Number. Used to check for transpositions. M
5 13-16 4 Numeric Number of Addenda Records Number of Addenda Records M
6 17-29 13 blank Reserved Leave blank M
7 30-39 10 $$$$$$$$¢¢ Amount Entry amount in dollars with two decimal places. M
8 40-74 35 Alphanumeric Foreign Receiver's Account Number/DFI Account Number Receiver‟s account number at the RDFI domiciled in the territorial jurisdiction of the U.S. A value generally found on the MICR line of a check. Enter the MICR Dash Cue Symbol as a hyphen (“-”). Account numbers vary in format. If the account number has less than 35 characters, left-justify, blank-fill. Ignore any blank spaces within the account number. M
9 75-76 2 blank Reserved Leave Blank n/a
10 77-77 1 blank Gateway Operator OFAC screening indicator Assigned by the ACH Gateway operator O
11 78-78 1 blank Secondary OFAC screening indicator Assigned by the ACH Gateway operator O
12 79-79 1 "1" Addenda Record indicator "1" = Addenda records follow this entry M
13 80-94 15 Numeric Trace Number The field is constructed as follows:
Positions 80-87 should be the same as Field 16 of the IAT Company/Batch Header. Positions 88- 94 are filled with the Entry Detail Sequence Number. This number must be assigned in ascending order to entries within each batch, although the numbers need not be continuous.
M

NOTE: For IAT Return Entries, each field of the Entry Detail Record remains unchanged from the original entry, except: 1) Transaction Code -Changed to the appropriate Return Entry Transaction Code. 2) Receiving DFI Identification - Changed to the routing number of the institution receiving the return entry (i.e., OFI of original entry). 3) Check Digit - Changed to the check digit according to NACH standards and based on the Routing Number contained in position 04-11. 4) Amount - For the return of an outbound International ACH Transaction originated by a U.S ODFI, this amount will be different from the amount reflected in the original forward entry if the exchange rate is different at the time of the return. 5) Trace Number - Changed to the trace number assigned by the institution preparing the Automated Return Entry.

IAT Addenda Records

For IAT entries, the first seven Addenda Records are mandatory and contain additional information about the receiver, the ODFI and the RDFI as required by OFAC. The type '717' remittance addenda is optional and is used by the Originator to supply additional information about Entry Detail Record to the Receiver; a maximum of two type '717' addenda are allowed. The type '718' Foreign Correspondent Bank addenda must be included if a Foreign Correspondent Bank is involved in the processing of the IAT entry; a maximum of five type '718' addenda are allowed. Each Addenda Record must be included in the item count that is entered into the Company/Batch Control Record.

IAT First Addenda Record (710)

The First Addenda Record identifies the Receiver of the transaction and the dollar amount of the payment.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '10' Addenda Type Code First Addenda REcord for IAT M
3 04-06 3 Alphanumeric Transaction Type Code Describes the type of payment:
ANN = Annuity
BUS = Business/Commercial
DEP = Deposit
LOA = Loan
MIS = Miscellaneous
MOR = Mortgage
PEN = Pension
RLS = Rent/Lease
REM = Remittance2
SAL = Salary/Payroll
TAX = Tax
TEL = Telephone-Initiated Transaction
WEB = Internet-Initiated Transaction
ARC = Accounts Receivable Entry
BOC = Back Office Conversion Entry
POP = Point of Purchase Entry
RCK = Re-presented Check Entry
R
4 07-24 18 $$$$$$$$$$$$$$$$¢¢ Foreign Payment Amount For inbound IAT payments this field should contain the USD amount or may be blank. R
5 25-46 22 Alphanumeric Foreign Trace Number Insert blanks or zeros O
6 47-81 35 Alphanumeric Receiving Company Name/Individual Name Insert receiver's name M
7 82-87 6 blank Reserved Leave blank n/a
8 88-94 7 Alphanumeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

NOTE: For IAT Return Entries, each field of the 1st Addenda Record remains unchanged from the original 1st Addenda Record, except Entry Detail Sequence Number which reflects the Entry Detail Sequence Number assocoiated with the trace number assigned by the institituion preparing the Automated Return Entry.

IAT Second Addenda Record (711)

The Second and Third Addenda Records identify key information related to the Originator of the entry.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '11' Addenda Type Code Second Addenda Record for IAT M
3 04-38 35 Alphanumeric Originator Name Contains the originators name (your company name) M
4 39-73 35 Alphanumeric Originator Street Address Contains the originators street address (your company's address) m
5 74-87 14 blank Reserved Leave blank n/a
6 88-94 7 Alphanumeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

NOTE: For IAT Return Entries, each field of the 2nd Addenda Record remains unchanged from the original 2nd Addenda Record, except Entry Detail Sequence Number whihch reflects the Entry Detail Sequence Number assocoiated with the trace number assigned by the institituion preparing the Automated Return Entry.

IAT Third Addenda Record (712)

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '12' Addenda Type Code Third Addenda Record for IAT M
3 04-38 35 Alphanumeric Originator City & State / Province City and State should be separated with an asterisk () as a delimiter and the field should end with a backslash ().
For example: San Francisco
CA.
M
4 39-73 35 Alphanumeric Originator Country & Postal Code Data elements must be separated by an asterisk () and must end with a backslash ()
For example: US
10036\
M
5 74-87 14 blank Reserved Leave blank n/a
6 88-94 7 Alphanumeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

NOTE: For IAT Return Entries, each field of the 3rd Addenda Record remains unchanged from the original 3rd Addenda Record, except Entry Detail Sequence Number whihch reflects the Entry Detail Sequence Number assocoiated with the trace number assigned by the institituion preparing the Automated Return Entry.

IAT Fourth Addenda Record (713)

The Fourth Addenda Record contains information related to the financial institution originating the entry. For inbound IAT entries, the Fourth Addenda Record must contain information to identify the foreign financial institution that is providing the funding and payment instruction for the IAT entry.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '13' Addenda Type Code Fourth Addenda Record for IAT M
3 04-38 35 Alphanumeric Originating DFI Name For Outbound IAT Entries, this field must contain the name of the U.S. ODFI.
For Inbound IATs: Name of the foreign bank providing funding for the payment transaction
M
4 39-40 2 "01" Originating DFI Identification Number Qualifier “01” = National Clearing System
For Inbound IATs: The 2-digit code that identifies the numbering scheme used in the Foreign DFI Identification Number field:
01 = National Clearing System
02 = BIC Code
03 = IBAN Code
M
5 41-74 34 Alphanumeric Originating DFI Identification This field contains the routing number that identifies the U.S. ODFI initiating the entry.
For Inbound IATs: This field contains the bank ID number of the Foreign Bank providing funding for the payment transaction.
M
6 75-77 3 Alphanumeric Originating DFI Branch Country Code USb” = United States
(“b” indicates a blank space)
For Inbound IATs: This 3 position field contains a 2-character code as approved by the International Organization for Standardization (ISO) used to identify the country in which the branch of the bank that originated the entry is located. Values for other countries can be found on the International Organization for Standardization website: www.iso.org.
M
7 78-87 10 blank Reserved Leave blank n/a
8 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

NOTE: For IAT Return Entries, each field of the 4th Addenda Record remains unchanged from the original 4th Addenda Record, except Entry Detail Sequence Number whihch reflects the Entry Detail Sequence Number assocoiated with the trace number assigned by the institituion preparing the Automated Return Entry.

IAT Fifth Addenda Record (714)

The Fifth Addenda Record identifies the Receiving financial institution holding the Receiver's account.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '14' Addenda Type Code Fifth Addenda Record for IAT M
3 04-38 35 Alphanumeric Receiving DFI Name Name of the Receiver's bank M
4 39-40 2 Numeric Receiving DFI Identification Number Qualifier The 2-digit code that identifies the numbering scheme used in the Receiving DFI Identification Number field:
01 = National Clearing System
02 = BIC Code
03 = IBAN Code
M
5 41-74 34 Alphanumeric Receiving DFI Identification Number The bank identification number of the DFI at which the Receiver maintains his account. M
6 75-77 3 Alphanumeric Receiving DFI Branch Country Code This 3 position field contains a 2-character code as approved by the International Organization for Standardization (ISO) used to identify the country in which the branch of the bank that receives the entry is located. Values for other countries can be found on the International Organization for Standardization website: www.iso.org
“USb” = United States
(“b” indicates a blank space)
M
7 78-87 10 blank Reserved Leave blank n/a
8 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

NOTE: For IAT Return Entries, each field of the 5th Addenda Record remains unchanged from the original 5th Addenda Record, except Entry Detail Sequence Number whihch reflects the Entry Detail Sequence Number assocoiated with the trace number assigned by the institituion preparing the Automated Return Entry.

IAT Sixth Addenda Record (715)

The Sixth and Seventh Addenda Records identify information related to the Receiver.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '15' Addenda Type Code Sixth Addenda Record for IAT M
3 04-18 15 Alphanumeric Receiver Identification Number This field contains the accounting number by which the Originator is known to the Receiver for descriptive purposes. NACHA Rules recommend but do not require the RDFI to print the contents of this field on the receiver's statement. O
4 19-53 35 Alphanumeric Receiver Street Address Receiver‟s physical address M
5 54-87 34 blank Reserved Leave blank n/a
6 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

NOTE: For IAT Return Entries, each field of the 6th Addenda Record remains unchanged from the original 6th Addenda Record, except Entry Detail Sequence Number whihch reflects the Entry Detail Sequence Number assocoiated with the trace number assigned by the institituion preparing the Automated Return Entry.

IAT Seventh Addenda Record (716)

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '16' Addenda Type Code Seventh Addenda Record for IAT M
3 04-38 35 Alphanumeric Receiver City, State/Province City and State should be separated with an asterisk () as a delimiter and the field should end with a backslash ().
For example: San Francisco
CA\
M
4 39-73 35 Alphanumeric Receiver Country & Postal Code Data elements must be separated by an asterisk () and must end with a backslash ()
For example: US
10036\
M
5 74-87 34 blank Reserved Leave blank n/a
6 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

NOTE: For IAT Return Entries, each field of the 7th Addenda Record remains unchanged from the original 7th Addenda Record, except Entry Detail Sequence Number whihch reflects the Entry Detail Sequence Number assocoiated with the trace number assigned by the institituion preparing the Automated Return Entry.

IAT Addenda Record for Remittance Information (717) (Optional)

This is an optional Addenda Record used to provide payment-related data. You may include up to two of these Addenda Records with each IAT entry.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '17' Addenda Type Code Seventh Addenda Record for IAT M
3 04-83 80 Alphanumeric Payment Related Information Payment information associated with the preceding Entry Detail Record. Must contain NACHA endorsed ANSI ASC X12 data segments or NACHA endorsed banking conventions. The asterisk (“*”) must be the delimiter between the data elements, and the back slash (“\”) must be the terminator between the data segments. O
4 84-87 4 Numeric Addenda Sequence Number Sequence number of each type “17” remittance addenda in ascending order beginning with 0001 M
5 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

IAT Addenda Record for Foreign Correspondent Bank Information (718)

This Addenda Record is used to provide information on each Foreign Correspondent Bank involved in the processing of the IAT entry. If no Foreign Correspondent Bank is involved,the record should not be included.
NOTE: A maximum of five 'Type 18' addenda records may be included with each IAT entry.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '18' Addenda Type Code Addenda Record for Foreign Correspondent Bank Information for IAT M
3 04-38 35 Alphanumeric Foreign Correspondent Bank Name This field contains the name of the Foreign Correspondent Bank M
4 39-40 2 Alphanumeric Foreign Correspondent Bank Identification Number Qualifier This field contains a 2-digit code that identifies the numbering scheme used in the Foreign Correspondent Bank Identification Number field. Code values for this field are:
“01” = National Clearing System
“02” = BIC Code
“03” =IBAN Code
M
5 41-74 34 Alphanumeric Foreign Correspondent Bank Identification Number This field contains the bank ID number of the Foreign Correspondent Bank M
6 75-77 3 Alphanumeric Foreign Correspondent Bank Branch Country Code This field contains the two-character code, as approved by the International Organization for Standardization (ISO), to identify the country in which the branch of the Foreign Correspondent Bank is located. Values can be found on the International Organization for Standardization website: www.iso.org M
7 78-83 6 blank Reserved Leave blank n/a
8 84-87 4 Numeric Addenda Sequence Number Sequence number of each „Type 18” Foreign Correspondent Bank Identification addenda in ascending order beginning with “0001” M
9 88-94 7 Numeric Entry Detail Sequence Number This field contains the ascending sequence number section of the Entry Detail Record‟s trace number. This number is the same as the last seven digits of the trace number (Field 13) of the related Entry Detail Record. M

IAT Addenda Record for IAT Returns (799)

This Addenda Record is used to provide return data for a returned IAT entry

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '7' Record Type Code Code Identifying the Addenda Record M
2 02-03 2 '99' Addenda Type Code Addenda Record IAT Returns M
3 04-06 3 Alphanumeric Return Reason Code This field contains code associated with the reason for the return M
4 07-21 15 Numeric Original Trace Number This field contains the Trace Number as originally included on the forward Entry M
5 22-27 6 YYMMDD Date of Death This field is used for Return Reason Code R14 or R15 O
6 28-35 8 Alphanumeric Original DFI This field contains the Receiving DFI Identification as originally included on the forward Entry that the RDFI is returning or correcting R
7 36-45 10 Numeric Original Payment Amount Original Payment of the forward Entry R
8 46-79 34 Alphanumeric Addenda Information Addenda Information O
9 80-94 15 Numeric Trace Number The Trace Number of the entry being returned M

File Control

The File Control record contains dollar, entry, and hash totals from the file's Company/Batch Control Records. This record also contains counts of the blocks and batches in the file.

Field Position Size Contents Field Name Entry Information M,R,O
1 01-01 1 '9' Record Type Code Code Identifying the File Control Record is '9' M
2 02-07 Numeric Batch Count Total number of Company/Batch Header Records (Record Type “5”) in the file. M
3 08-13 6 Numeric Block Count Total number of physical blocks in the file, including the File Header and File Control Records. M
4 14-21 8 Numeric Entry / Addenda Count Total number of Entry Detail and Addenda Records (Record Types “6” and “7”) in the file. M
5 22-31 10 Numeric Entry Hash Total of eight character Transit Routing/ABA numbers in the file (Field 3 of the Entry Detail Record). Do not include the Transit Routing Check Digit. Enter the 10 low-order (right most) digits of this number. For example,if this sum is 998877665544, enter 8877665544. M
6 32-43 12 $$$$$$$$$$¢¢ Total Debit Entry Dollar Amount in File Dollar total of debit entries in the file. If none, zero-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
7 44-55 12 $$$$$$$$$$¢¢ Total Credit Entry Dollar Amount in File Dollar total of credit entries in the file. If none, zero-fill the field. Do not enter a decimal point. Right-justify, left zero-fill. M
8 56-94 39 blank Reserved Leave this field blank. n/a