Description

NACHA files are used to execute ACH payments through the Automated Clearing House Network. It contains the payment instructions that will be uploaded to a bank portal for executing batch payments. 


NACHA files have unique formatting that must be defined by specifications. These details vary between banks and institutions but have shared standards relating to ACH payment files. 


Note: This article provides details about each record and its fields: For a GenRocket example, please see: How to Generate NACHA File Format.


In This Article


NACHA Format Overview

The NACHA format is composed of 94 character records. All records and fields are required, except for record 7, titled Entry Detail Addenda Record. 


The format of each record generated by GenRocket will be 94 characters long. It will be a Fixed File Format. Every Attribute will be positioned at a particular position. 


Record Title
Record Type Code
File Header Record - This record includes your company name and company number. It also designates the immediate destination of the entries contained within the file. 1
Batch Header Record - This record indicates the effective entry date (the date you request the deposits/debits to be settled). In addition, this record identifies your company and provides an entry description for the credit debits in this batch. 5
Entry Detail Record - This record contains the information necessary to post a deposit to/withdraw from an account, such as the recipient's name, account number, and dollar amount of the payment. An Entry Detail Record can be one of the following: PPD, CCD, TEL, WEB, or CTX.6
Entry Detail Addenda Record - This record is optional. This record contains additional information relating to the prior entry detail record. It is primarily used for CCD+ and CTX, which are corporate to corporate transactions.7
Batch Control Total - This record appears at the end of each batch and contains totals for the batch. 8
File Control Record - This record provides a final check on the data submitted. It contains block and batch count(s) and totals for each type of entry. 9


Basic Record Layout



File Header Record Layout


Batch Header Record Layout


PPD Entry Detail Record Layout


CCD Entry Detail Record Layout


CCD Adenda Record Layout


TEL Entry Detail Record Layout


Web Entry Detail Record Layout


CTX Entry Detail Record Layout


CTX Adenda Record Layout


Batch Control Record Layout


Header Control Record Layout