Automated Clearing House (ACH)
Reference Guide
Copyright
Copyright © 2008 by Digital Insight, an Intuit company
All rights reserved. The application described in this document is proprietary to Digital Insight, and must
be treated on a confidential basis. It is to be used solely in accordance with the provisions of the
agreement under which it has been furnished. Reproduction of this document in whole or in part by
mechanical, electronic, or any other means must be in accordance with the terms of the agreement under
which it was furnished.
Information in this publication is subject to change without notice. Although every precaution has been
taken in the preparation of this publication, Digital Insight does not offer any warranties or
representations, nor does it accept any liabilities with respect to the information contained herein.
Trademarks
Intuit, Digital Insight, an Intuit company, Digital Insight, Magnet, Magnet Communications, the Magnet
Internet Banking Suite, BizBankingWORKS, iPortBiz, Magnet Outsource Service and The Internet
Business Banking Authority are trademarks and/or service marks of Digital Insight. Other product names
mentioned herein are the intellectual property of their respective companies.
Publication Information
All rights reserved. Printed in the United States of America.
Publication Title: Automated Clearing House (ACH) Reference Guide
Corporate Information
Digital Insight, an Intuit Company
5720 Peachtree Parkway
Norcross, Georgia 30092
United States of America
Telephone (770) 349-1200
Facsimile (770) 349-1300
www.digitalinsight.com
Table of Contents
About This Guide ............................................................................................. xiii
Audience.................................................................................................. xiii
Using This Guide ..................................................................................... xiv
Document Conventions .......................................................................xiv
New in this Release ..................................................................................xv
Where to Find More Information .............................................................. xvi
Product Documentation Library ...........................................................xvi
Training Services .................................................................................xvi
Other Services .....................................................................................xvi
1. ACH Overview.................................................................................................. 1
Introduction to ACH ................................................................................... 1
What is ACH? ........................................................................................ 1
Supported SEC Codes .......................................................................... 1
Cutoff Times .......................................................................................... 2
Security Options .................................................................................... 3
Consolidated Payments......................................................................... 4
Market Segmentation............................................................................. 5
Batch Templates.................................................................................... 6
Import Files ............................................................................................ 7
ACH Batch Process ............................................................................... 7
Proactive Bulletins ................................................................................. 9
Pass-Through Files................................................................................ 9
Recurring Payments .............................................................................. 9
ACH Services .......................................................................................... 10
ACH User Interface.................................................................................. 14
Page Element Standards..................................................................... 15
Getting Started......................................................................................... 16
ACH Setup Tasks for Bank Personnel................................................. 16
ACH Setup Tasks for Corporate Administrators .................................. 17
ACH Setup Tasks for Corporate Users................................................ 17
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Menu Interfaces ................................................................................... 17
2. ACH Settings ................................................................................................. 19
About ACH Settings ................................................................................. 19
Relationship to Consolidated Payments .............................................. 19
Relationship to other ACH Services .................................................... 19
Service Information.............................................................................. 19
ACH Settings Page .................................................................................. 21
Fields ................................................................................................. 22
Buttons................................................................................................. 27
3. ACH Transaction Type Maintenance ........................................................... 29
About Transaction Types ......................................................................... 29
Standard Entry Class (SEC) Codes..................................................... 29
Transaction Type Code Format ........................................................... 29
Addenda .............................................................................................. 29
Transaction Type Setup....................................................................... 30
Service Information.............................................................................. 30
Transaction Type Selection Page ............................................................ 32
Fields ................................................................................................. 33
Buttons................................................................................................. 35
4. ACH Cutoff and Activation Time Maintenance........................................... 37
About Cutoffs ........................................................................................... 37
Relationship to Consolidated Payments .............................................. 37
Warehousing Method........................................................................... 37
Holidays and Nonbusiness Days ......................................................... 38
Status Report Service.......................................................................... 38
Service Information.............................................................................. 38
Cutoff and Activation Time Maintenance Pages.................................. 39
ACH Cutoff and Activation Time Selection Page ..................................... 39
Fields ................................................................................................. 39
Buttons................................................................................................. 40
ACH Cutoff and Activation Time Data Entry Page ................................... 40
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Multiple Daily Cutoff Times .................................................................. 40
Empty ACH Files ................................................................................. 40
Results................................................................................................. 41
Fields ................................................................................................. 41
Buttons................................................................................................. 42
ACH Cutoff and Activation Time Report Page ......................................... 43
Fields ................................................................................................. 43
5. ACH Endpoint Maintenance ......................................................................... 45
About Endpoints ...................................................................................... 45
How End Points Work.......................................................................... 45
ACH File Format .................................................................................. 45
Service Information.............................................................................. 45
End Points Pages ................................................................................ 46
ACH Host End Point Selection Page ....................................................... 46
Fields ................................................................................................. 47
Buttons................................................................................................. 47
End Point Data Entry Page ...................................................................... 48
Fields ................................................................................................. 48
Buttons................................................................................................. 49
End Point Delete Page............................................................................. 50
Fields ................................................................................................. 50
Buttons................................................................................................. 50
ACH Host End Point Report Page ........................................................... 51
Fields ................................................................................................. 51
6. ACH Company Maintenance ........................................................................ 53
About Company Maintenance.................................................................. 53
ACH Company Examples .................................................................... 53
Transaction Type Codes...................................................................... 53
Offset Accounts ................................................................................... 54
ACH Company Setup .......................................................................... 54
Service Information.............................................................................. 54
Company Maintenance Pages............................................................. 55
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Company Information Selection Page ..................................................... 56
Fields ................................................................................................. 56
Buttons................................................................................................. 57
Company Information Add Page.............................................................. 58
Fields ................................................................................................. 58
Buttons................................................................................................. 60
ACH Company ID Report Page ............................................................... 60
Fields ................................................................................................. 60
Transaction Types Page .......................................................................... 61
Available Transaction Type Codes ...................................................... 61
Fields ................................................................................................. 62
Buttons................................................................................................. 62
Offset Accounts Page .............................................................................. 63
Available Offset Accounts.................................................................... 63
Fields ................................................................................................. 63
Buttons................................................................................................. 64
7. ACH Customer File Name Maintenance...................................................... 65
About Customer File Name Maintenance ................................................ 65
Default File Naming Format................................................................. 65
ACH Settings ....................................................................................... 65
Service Information.............................................................................. 65
Customer Filename Pages .................................................................. 66
Customer Selection Page ........................................................................ 66
Fields ................................................................................................. 66
Buttons................................................................................................. 67
File Name Parameters Page.................................................................... 67
Fields ................................................................................................. 67
Buttons................................................................................................. 68
File Name Report Page ........................................................................... 68
Fields ................................................................................................. 68
Buttons................................................................................................. 69
8. ACH User Permissions ................................................................................. 71
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About User Permissions .......................................................................... 71
Service Information.............................................................................. 71
User Permissions Pages ..................................................................... 72
Permissions Selection Page .................................................................... 73
Fields ................................................................................................. 73
Buttons................................................................................................. 75
ACH Customer Settings Page ................................................................. 76
Fields ................................................................................................. 77
Buttons................................................................................................. 77
User Overall Limits Page ......................................................................... 78
Fields ................................................................................................. 78
Buttons................................................................................................. 79
ACH User Settings................................................................................... 80
Field
................................................................................................. 80
Buttons................................................................................................. 80
Transaction Type Permissions Page ....................................................... 80
Fields ................................................................................................. 81
Buttons................................................................................................. 81
Authorization Limits Page ........................................................................ 82
ACH Limits........................................................................................... 82
Limits ................................................................................................. 82
ACH Limit Types.................................................................................. 82
Fields ................................................................................................. 84
Buttons................................................................................................. 85
9. ACH Map Definition....................................................................................... 87
About Map Definition ............................................................................... 87
ACH Import Map Formats.................................................................... 87
New in Import Map Definition............................................................... 88
Service Information.............................................................................. 89
Map Definition Pages........................................................................... 89
Import Maps Page ................................................................................... 90
Duplicate Transactions ........................................................................ 90
Rules ................................................................................................. 90
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Fields ................................................................................................. 91
Buttons................................................................................................. 92
Add a Map (Delimited) Page.................................................................... 93
Duplicate Transactions ........................................................................ 93
Rules ................................................................................................. 94
Fields ................................................................................................`94
Delimited Format ................................................................................. 99
ACH Map Type .................................................................................. 100
Buttons............................................................................................... 100
Add a Map (Fixed) Page ........................................................................ 101
Duplicate Transactions ...................................................................... 101
Rules ............................................................................................... 102
Fields ............................................................................................... 102
Fixed Format Example....................................................................... 107
Buttons............................................................................................... 108
Edit Map Page ....................................................................................... 108
Fields ............................................................................................... 108
Buttons............................................................................................... 115
Delete Map Page ................................................................................... 115
Fields ............................................................................................... 115
Buttons............................................................................................... 122
Map Detail Page .................................................................................... 122
Fields ............................................................................................... 122
Buttons............................................................................................... 129
10. ACH Status Report .................................................................................... 131
About ACH Status Report ...................................................................... 131
Service Information............................................................................ 131
ACH Status Report Pages ................................................................. 131
ACH Status Report Selection Page ....................................................... 132
Fields ............................................................................................... 132
Buttons............................................................................................... 133
ACH File Summary (Status) Report Page.............................................. 133
Fields ............................................................................................... 134
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ACH Batch Summary (Status) Report Page .......................................... 135
Fields ............................................................................................... 136
Buttons............................................................................................... 137
ACH Batch Detail (Status) Report Page ................................................ 138
Fields ............................................................................................... 139
Button ............................................................................................... 142
11. ACH Pass-Thru Report ............................................................................. 143
About ACH Pass-Through Report.......................................................... 143
Service Information............................................................................ 143
ACH Pass-Through Report Pages..................................................... 143
ACH Pass-Thru Report Selection Page ................................................. 144
Fields ............................................................................................... 144
Buttons............................................................................................... 145
ACH Pass-Thru Report Page................................................................. 145
Fields ............................................................................................... 145
Button ............................................................................................... 148
12. ACH Report ................................................................................................ 149
About ACH Report ................................................................................. 149
Service Information............................................................................ 149
ACH Report Pages ............................................................................ 149
ACH Report Selection Page .................................................................. 150
Fields ............................................................................................... 150
Buttons............................................................................................... 152
ACH Summary Report Page.................................................................. 153
Fields ............................................................................................... 153
Button ............................................................................................... 155
Report Detail Page ................................................................................ 156
Fields ............................................................................................... 156
Buttons............................................................................................... 161
ACH Delete Confirmation Summary Page ............................................. 161
Fields ............................................................................................... 162
Button ............................................................................................... 162
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13. ACH Exception Reporting ........................................................................ 163
About ACH Exception Reporting............................................................ 163
ACH Exception Report Selection Page.................................................. 163
Fields ............................................................................................... 163
Buttons............................................................................................... 165
ACH Exception Report Page ................................................................. 165
Fields ............................................................................................... 166
Buttons............................................................................................... 167
Appendix A: ACH Transaction Type Codes ................................................ 169
Transaction Type Codes Table.............................................................. 169
Appendix B: ACH File Formats ..................................................................... 171
About ACH File Formats ........................................................................ 171
About ACH File Formats.................................................................... 171
Cutoff-Generated NACHA File Formats ............................................ 171
Record Size ....................................................................................... 171
Record Formats ................................................................................. 172
Consolidated Payments..................................................................... 172
Corporate Trade Exchange (CTX)..................................................... 172
Mandatory and Required Fields......................................................... 172
CSV File Format ................................................................................ 173
File Header Format ................................................................................ 173
Standard Batch Header Format ............................................................. 175
Cross-Border Batch Header Format ...................................................... 179
CBR Entry Detail Format ....................................................................... 184
CCD Entry Detail Format ....................................................................... 188
CTX Entry Detail Format........................................................................ 192
PBR Entry Detail Format........................................................................ 196
PPD Entry Detail Format........................................................................ 199
RCK Entry Detail Format ....................................................................... 203
WEB Entry Detail Format....................................................................... 205
Standard Addenda Format (CCD, CTX, PPD, WEB) ............................. 208
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Cross-Border Addenda Format (CBR and PBR).................................... 210
Batch Control (Trailer) Format ............................................................... 212
Comma-Separated Value (CSV) File Format Sample ........................... 215
NACHA File Report Sample................................................................... 216
Index ................................................................................................................. 217
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About This Guide
This book is a reference guide. It describes Release 3.7 of the Corporate Banking
Automated Clearing House (ACH) product from Digital Insight, an Intuit company.
Descriptions of the services and the features found in each of the services from an end
user’s perspective are included. This guide is not intended to give you a detailed
understanding of the procedural functionality of the product, nor does it provide back-end
system information.
For each service in the product, this book describes each page of the service, focusing on
the purpose and components of the page. Primarily, this includes detailed descriptions of
each field, button, and table on the page.
Audience
This book is for those who want a basic understanding of the ACH product. It assumes
you understand the system infrastructure and the e-Commerce Platform product. It also
assumes a basic understanding of the Treasury Management industry and the ACH
functions as they relate to the industry.
The following types of users are referenced in this guide:
•
Bank Personnel - Users at the bank who are responsible for the set up and
management of the system and installed products. If permitted, these users can
perform all bank functions.
•
Corporate Administrator - Users who are responsible for several corporatelevel administrative tasks, such as granting permissions, assigning accounts,
and setting up product functions. These users can also perform all
nonadministrative corporate-permitted functions.
•
Corporate Customers - Users at a corporate entity, such as a corporation or a
partnership who, if permitted, can perform nonadministrative, corporatepermitted functions. For each corporate customer, bank personnel and
corporate administrators can add corporate users.
•
Corporate User - Users at the corporate entity who, if permitted, can perform
nonadministrative, corporate-permitted functions.
This guide describes services for bank personnel and corporate administrators. For
descriptions of corporate customer and corporate user services, see the ACH User Guide.
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Automated Clearing House (ACH) Reference Guide
Using This Guide
This reference guide is designed so that you can quickly find a specific topic or read it
from cover to cover. The first chapter is an overview of the product that contains
•
a general introduction
•
a process flow (where applicable)
•
a description of all services and the audience for each
•
the setup tasks for bank personnel and corporate administrators.
The remaining chapters describe each service in the product and provide reference
information for all of the corresponding pages in the service. Each chapter also contains
service identifier information, which reflects the initially-installed values for the service.
Document Conventions
This document incorporates the conventions defined in the following table.
Convention
Arial font, Italic text
Description
System message.
For example: When you click Add, the system displays the
following message:
Batch “Pay –Weekly Payroll” has been added to the
system.
Bold text
Button name, radio button name, check box name, user
selection, and key name combinations and sequences.
For example:
• Click Submit
• Press F8
Courier New font
File names and directory paths.
For example: This file is located in the
\cmserver\include\ folder.
Italic text
New term and variable expressions, such as parameters.
For example: A book is a currency pair, which consists of
a lead and contra currency.
<Italic text>
Variable that acts as a placeholder for the literal text to
which it refers.
For example: the RemoteDestInfo parameter uses the
following format:
<LeadBank>, <Destination Section>, <Destination
Directory>
Key + Key
Keyboard combinations where the user must press and
hold one key and then press another
For example: CTRL + B
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Convention
Description
Key + Key, Key
Keyboard sequences for which the user must press a key
combination and then press another key after releasing
the combination keys.
For example: to open the Spell check dialog box press Alt
+ E, L.
New in this Release
Following are the chapters in this guide that describe the updates included in this release
of the Automated Clearing House (ACH) product:
•
Chapter 2: ACH Settings was updated for
−
Recurring payments
−
Pass-thru editing and approvals.
•
Chapter 4: Cutoff and Activation Time Maintenance was updated to add the
Activation Times Data Entry Page.
•
Chapter 8: User Permissions was updated as follows:
−
−
Permissions Selection Page to
o
added Template Approval Options section to the User
Permissions Selection Page
o
reflect the changed page title for the ACH Customer Settings
Page
o
changed the ACH Customer Overall Limits page to the ACH
Customer Settings Page
ACH Customer Settings Page for approval of pass-thru files.
•
Chapter 12: ACH Report was updated with Status options on the ACH Report
Selection Page.
•
Chapter 10: Status Report was updated with
−
Status options on the ACH Status Report Selection Page
−
Create New Complete File button on the ACH Batch Summary (Status)
Report page was added for requesting and displaying information about
ACH batches with recurring payments.
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Where to Find More Information
Digital Insight provides several types of product resources. This section contains a
summary of the documentation currently available in the Digital Insight Product
Documentation Library, as well as a description and contact information for training and
other Digital Insight services.
Product Documentation Library
Currently, the Product Documentation Library consists of the following deliverables for
the ACH Product:
•
The Configuration Reference Guide provides detailed descriptions of the many
configurable options available for all products. This guide is available
electronically in Portable Document Format (.pdf) on the DI Client Site
(www.diclientsite.com).
•
The Implementation Guide describes planning, installing, and setting up our
products, as well as information about Blue Dragon and database management.
This guide is available electronically in .pdf format on the DI Client Site.
•
Online Help is accessible from within each product. To access help, click the
Help link. WebHelp provides a fully-integrated, interactive listing of help
contents, hyperlinks and popups with related information, and a
comprehensive, interactive index, and full-text search function.
•
Technical Release Notes provide information about third-party products,
operational instructions, and unit test cases. The Technical Release Notes are
delivered electronically in .pdf format on the DI Client Site.
Training Services
The goal of the Training Services is to teach you how to efficiently use each product,
which helps improve your service capabilities and increase the efficiency of your
business partners.
Project managers work with training services personnel to provide front-end bank
training for all Digital Insight products. This training is negotiated as part of the bank
contract and service agreement and is usually conducted just prior to implementation
at the customer’s facility. Whenever possible, the training uses the bank’s system.
Other Services
Client Support Center
The Client Support Center provides 24 hours-a-day, 7 days-a-week product and technical
support. You can use this service to:
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•
Ask product questions
•
Report suspected bugs
•
Suggest product enhancements.
During standard business hours, 8:00 a.m. to 6:00 p.m. (EST), Monday through Friday,
you can contact support the following ways:
•
Client Support Line – 877-462-3446
•
E-mail - [email protected]
•
DI Client Site: https://www.diclientsite.com/support
•
Fax – 770-349-1300
After hours and on Saturday, Sunday, and holidays, you can call the Client Support Line
to contact support and submit support requests for severity level 1 problems that affect
production. You can also use the previously mentioned standard methods to log other
problems, and the product and technical support personnel will address these problems on
the next business day.
Submitting Requests - Provide the following information (if available) when you
contact the Client Support Center:
•
Your name
•
Bank name
•
Product with which you are having a problem
•
A clear description of the problem
•
Steps to recreate the problem
•
Any screen shots
•
Browser version
•
Whether you are experiencing the issue in Test or Production
•
Number of affected users
Monitoring Requests - You can use DI Client Site to monitor the progress of your
support requests online 24 hours a day, 7 days a week.
Project Management
Our Professional Service team includes project managers who have training from the
world’s largest professional service firms combined with years of industry experience.
Our project managers lead you through every aspect of your implementation and guide
you through the entire life cycle of any custom enhancement. Our Professional Services
team also can integrate their efforts with a client’s project management office.
Business Consulting
Our business consultants have many years of banking industry experience, in addition to
product management experience. Their thorough implementation analysis can help you
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Automated Clearing House (ACH) Reference Guide
identify transition issues. Additionally, they can assist you if your product management
resources are scarce and you need assistance with topics, such as:
•
Pricing your product
•
Developing marketing plans for a new product rollout or conversion planning.
Custom Programming
The specific needs of each bank can differ and do not always conveniently fit into a
packaged software solution. Anticipating this need, we employ an extensive staff of
custom software developers who are available to tailor the software to your exact
specifications or to develop custom modules if you have some creative ideas you want to
deploy.
National Conference
The annual National Conference focuses on the continued success of our clients in the
cash management and business-banking marketplace. During the conference, users have
the opportunity to:
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•
Attend interactive breakout sessions
•
Explore our technology showcase
•
Learn how to increase awareness and adoption of online cash management
•
Network with other clients
•
Hear from outside industry speakers
•
Learn about our future vision and product direction
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1. ACH Overview
This section provides an overview of the ACH product and general descriptions of ACH
services.
Introduction to ACH
The Automated Clearing House (ACH) product allows corporate customers to efficiently
•
•
Generate files that conform to standard ACH formats, which conform to
−
National Automated Clearing House Association (NACHA) rules and
standards
−
Standards that other organizations such as the American National
Standards Institute (ANSI) establish
Send ACH files to their banks or other third-party processors, where
origination systems such as PEP+ or CoACH process them.
What is ACH?
In the United States the ACH network is a nationwide batch-oriented electronic funds
transfer system governed by the NACHA operating rules which provide for the interbank
clearing of electronic payments for participating depository financial institutions. The
Federal Reserve and Electronic Payments Network act as ACH operators, central clearing
facilities through which financial institutions transmit or receive ACH entries.
ACH payments include:
•
Direct Deposit of payroll, Social Security and other government benefits, and
tax refunds
•
Direct Payment of consumer bills such as mortgages, loans, utility bills and
insurance premiums
•
Business-to-business payments
•
E-checks
•
E-commerce payments
•
Federal, state and local tax payments.
Supported SEC Codes
The ACH product supports the following NACHA standard entry class (SEC) codes:
•
CBR - Corporate Cross-Border Payment
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Automated Clearing House (ACH) Reference Guide
•
CCD - Cash Concentration or Disbursement (includes federal and state tax
payments)
•
CTX - Corporate Trade Exchange (pass-thru only)
•
PBR - Consumer Cross-Border Payment
•
PPD - Prearranged Payment and Deposit
•
RCK - Represented Check Entry
•
TEL - Telephone-Initiated Entry
•
WEB - Internet-Initiated Entry
For each record format, the information in the Required column indicates whether the
field is:
•
Mandatory - the record must contain this field. If a mandatory field is missing
or incorrect, the ACH file fails at the ACH operator.
•
Required - the record should contain this field. If a required field is missing or
incorrect, the ACH operator does not fail the ACH file, but the receiving
depository financial institution (RDFI) could reject the record.
•
Optional - the record can, but does not have to contain this field.
For more information about the SEC codes and file formats that the ACH product
supports, see Appendix B, ACH File Formats.
Cutoff Times
Bank personnel set the cutoff times for the ACH product. For each day of the week, the
cutoff times indicate the exact times during the day that the system processes approved
batches and builds ACH files. The system then moves the ACH files to a bank-designated
directory. Bank personnel retrieve the ACH files from the directory and process them.
At the last cutoff time for the day, the system runs the cutoff process and sets the current
processing date to the next business day. You can use the ACH Settings service to define
a default effective entry date cutoff time.
For more information about
•
Cutoff times, see Chapter 4: Cutoff Activation and Time Maintenance.
•
Default effective entry date cutoffs, see Chapter 2 ACH Settings.
Warehousing Method
Using the ACH Settings service, leadbanks can optionally choose to use a warehousing
method that controls when the system processes approved batches. If the system
•
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ACH Overview
Warehouses approved batches, the system processes approved batches a
specific number of days before the effective entry date. The Effective Entry
Date Default field for the transaction type code controls the specific number of
days. The effective entry date is the date that the bank posts all entries in a
batch to customers' accounts.
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Automated Clearing House (ACH) Reference Guide
•
Does not warehouse approved batches, the system processes all approved
batches at the cutoff time, regardless of the effective entry date.
For more information see Warehousing Method” on page 4-2 ??
Security Options
The ACH product supports the following security options, which provide additional
control for ACH activity:
•
ACH Companies
•
Transaction Type Codes
•
Approvals
•
Limits
•
Authentication
ACH Companies
Use the ACH product to initiate payments. ACH companies allow banks to separate work
responsibilities and selectively permit corporate users to specific transaction type codes,
which provides an additional level of security for the ACH product. For more information
about adding ACH companies, see Chapter 6, Company Maintenance. ??
Transaction Type Codes
Banks use the ACH product to select the permitted transaction type codes for leadbanks.
Each transaction type contains a short name and a long, descriptive name. Transaction
type codes are unique codes delivered with the ACH product used to identify the
•
Standard Entry Class (SEC) code for each batch
•
Format of the entries or transactions in the batch
•
Type of transactions in the batch, such as debit or credit.
For more information about transaction type codes, see Chapter 3, Transaction Type
Maintenance.??
Approvals
The ACH product uses approvals to add an additional layer of security to ACH activity.
For each ACH company, the bank specifies whether approval is required to process an
activated batch. They can require
•
No approval for activated batches
•
The same person who activated the batch to approve the batch
•
A person, other than the person who activated the batch, to approve the batch
•
A person, including the person who activated the batch, to approve the batch.
For more information about
•
ACH companies, see Chapter 6, ACH Company Maintenance
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Automated Clearing House (ACH) Reference Guide
•
Activating batches, see the ACH User Guide
•
Approving batches, see the ACH User Guide.
Limits
The ACH product allows banks to set limits for their corporate users’ maintenance,
activation, and approval activity for each transaction type code. These limits control the
maximum amount you can
•
Manage (add, change, or delete) for each entry in a batch and for each batch
•
Activate for each entry in a batch and for all batches per day
•
Approve for each entry in a batch and for all batches per day.
When corporate users activate or approve a batch, the system
•
Verifies that none of the entries in the batch exceed the item limit
•
Verifies that the batch amount (total amount for all entries in the batch) does
not exceed the user’s batch limit for the transaction type code
•
Adds the batch amount to the user’s accumulated activation or approval total to
verify that the amount does not exceed the user’s daily batch limit
•
Increases the user’s accumulated activation or approval total by the batch
amount.
For more information about limits, see Chapter 8, ACH User Permissions.
Authentication
The Challenge Manager product can provide additional security for the ACH product.
Bank personnel indicate the services, corporate customers, and users who receive a
challenge when accessing a service. The user must then enter a valid response code to use
the service.
Challenge Manager is not active in the base ACH product. To activate this product,
contact your implementation representative. For more information about the Challenge
Manager product, see the Challenge Manager Reference Guide and online help.
Consolidated Payments
The Small Business Consolidated Payments product allows corporate customers to enter
and approve
•
Payroll payment requests for direct deposit
•
Tax payment requests for federal and state agencies.
Several of the settings you establish and manage in the ACH product, such as cutoff
times and ACH settings, control the Consolidated Payments product. The Consolidated
Payments product relies on the ACH product to collect and process approved payment
requests and build ACH files.
Specifically, the ACH product uses the following transaction type codes to support
Consolidated Payment activity:
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ACH Overview
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•
PAYCO transaction type code, which is a prearranged payment and deposit
(PPD) SEC code and supports only payroll payments
•
TAXCO transaction type code, which is a cash concentration or disbursement
(CCD) SEC
•
code and supports only tax payments
At cutoff time, the ACH product collects approved payroll and tax payment requests and
builds one batch for each group of payroll or tax payment requests that share the same
•
ACH company ID
•
Effective entry date.
For more information about the
•
PAYCO and TAXCO transaction type codes, see Appendix A, Transaction
Type Codes
•
Consolidated Payments product, see the Consolidated Payments Reference
Guide.
Market Segmentation
Several of the ACH services are not available if your system uses market segmentation,
and you must use alternate services in the e-Commerce Platform product to perform the
same functions.
About Market Segmentation
Market segmentation includes target markets and market segments. A target market is a
collection of products assembled to meet the functional needs of a large group of
corporate customers. A leadbank can have multiple target markets.
When a system is installed, predefined target markets are included. The target markets
determine the
•
Available products and services
•
ACH transaction type code defaults
•
Values for the initial default limits.
A market segment is a subset of products selected from the target market’s products. A
target market can have an unlimited number of market segments. Bank personnel add and
manage market segments.
Each market segment is associated with a target market. After you associate a market
segment with a target market, you select all the services from the list of target market
products and services that you want the corporate administrators within the market
segment to have permission to access.
Alternate Services
If your system uses market segmentation, you must use services within the e-Commerce
Platform product to add and manage several of the ACH settings instead of the following
ACH services:
•
Transaction Types
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•
Company Maintenance
•
User Permissions
In the e-Commerce Platform product, use the following services to set up ACH:
•
Target Market - Use this service to
−
Enable the transaction type codes for target markets
−
Establish the transaction type settings for the
−
o
Default effective entry date calculation
o
Effective entry date override
o
Offset creation level
Set the default limits for the permitted transaction type codes.
•
Market Segment - Use this service to select the available ACH products and
services for the market segment.
•
Customer Administration - Use this service to
−
Add and manage the ACH companies for corporate customers
−
Set the approval requirements for ACH companies
−
Add and manage corporate users
−
Permit ACH companies and transaction type codes to corporate users
−
Set the corporate users’ limits for the permitted transaction type codes.
For more information about
•
Target markets and market segments, see the Target Market and Market
Segment services in the e-Commerce Platform Reference Guide and online
help
•
The Customer Administration service, see the e-Commerce Platform Customer
Administration Reference Guide and online help.
Batch Templates
Use the ACH Batch Maintenance service to add batch templates for each ACH company.
Batch templates contain all the necessary information to build an active batch that you
include in an ACH file. These templates serve as models for the entries or transactions
you can activate.
Optionally, you can use the Template Approval service to set up approval requirements
for ACH batch templates. After you view batch template details, you can choose to
approve or reject the template itself. After a batch template that requires approval is
approved, then it is available for use with other ACH services.
When you activate a batch, the system makes an exact copy of the batch template. Before
you complete the activation, you can change entry information for that specific
activation, such as amounts or addenda information.
For more information about
•
6
ACH Overview
Batch templates, see Batch Maintenance in the ACH User Guide
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•
Activating a batch, see Batch Activation in the ACH User Guide
•
Approving batch templates, see Batch Template Approval in the ACH User
Guide.
Each batch template contains one or more debit or credit entries. Each entry is associated
with a participant, which is the person or organization sending or receiving the debit or
credit. Use the Participant Maintenance service to manage all entries for a participant
across all batches within an ACH company. This eliminates the need to individually
access each batch.
For more information about Participants, see Participants Overview in the ACH User
Guide.
Import Files
You can use the ACH Import service to import NACHA formatted, fixed, and delimited
files into the ACH product, which
•
Adds a new batch template and entries to the new template (NACHA only)
•
Adds entries to an existing batch template (fixed and delimited only)
•
Changes entries in an existing batch template (fixed and delimited only)
•
Deletes entries from an existing batch template (fixed and delimited only).
When you import a file into the ACH product, you must select an ACH map. ACH maps
control whether the import file adds a new batch template or updates an existing batch
template.
For more information about
•
ACH maps, see Chapter 9, ACH Map Definition.
•
Importing files, see ACH Import in the ACH User Guide.
ACH Batch Process
This diagram and table describe the typical ACH batch process.
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Step
1
Use the Batch Activation page to activate a batch of ACH entries. The
system assigns a customer trace number to all activated batches.
2
The system checks the approval settings for the ACH company to which
the batch is associated to determine whether the batch requires approval.
If the batch
3
4
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ACH Overview
Description
•
Requires approval, the system goes to Step 3.
•
Does not require approval, the system assigns a bank trace number to
the batch and goes to Step 4.
Use the Batch Approval page to approve the batch. The system assigns a
bank trace number to the approved batch and goes to Step 4. The
approval settings for the ACH company associated with the batch control
indicate whether the batch must be approved by
•
The same user who activated the batch
•
Another user.
The system checks the ACH settings to find the selected warehouse
method for approved batches. If the system
•
Warehouses approved batches, the system goes to Step 5.
•
Does not warehouse approved batches, the system goes to Step 6.
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Step
Description
5
The system holds the approved batches until the specified date and then
goes to Step 6.
6
The cutoff process runs, which processes all approved batches and builds
ACH files. The system moves the ACH files to the bank-specified directory.
7
The bank or a third-party processor retrieves the ACH files from the
directory and processes them.
Proactive Bulletins
Proactive bulletins are an optional feature that banks can use to expedite the approval of
activated batches. If a bank activates proactive bulletins for ACH approvals, users with
activated batches that require approval receive a notification bulletin when they log on to
the system.
Proactive bulletins contain a link that users can select to display an approval bulletin.
Approval bulletins provide
•
The number of activated batches requiring approval
•
A button that displays the Batch Approval Selection page, which you use to
approve batches.
ACH Recurring Payments - Exception proactive bulletins provide batch numbers and
effective entry dates for recurring payments that were not activated automatically.
For more information about
•
Batch approvals, see Batch Approval in the ACH User Guide.
•
Proactive bulletins, see the e-Commerce Platform Reference Guide and online
help.
Pass-Through Files
You can use the ACH Pass-Through page to load external ACH files into the ACH
product. Pass-through files are ACH files generated outside the ACH product and loaded
into the product for validation and processing. Loading external ACH files into the ACH
product ensures that all files passed to the bank for processing come from the same
location and are consistently validated to meet the same NACHA standards. You cannot
edit pass-through files. Pass-through files are not subject to cutoff requirements set up in
the product.
Recurring Payments
Corporate users can create recurring payment instructions
for ACH payments to be
made repeatedly. When you add an ACH batch, you specify the frequencies of the
payments and days of the month the payments should be processed. The system
automatically activates batches you add with recurring instructions based on the
frequency, days, and times you specify. They are activated before the Effective Entry
Date associated with the batch based on the transaction type default days. This way, the
payments are included in a NACHA file and sent to the bank before the Effective Entry
Date.
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Batches with a locked or disabled status are not automatically activated.
All approval requirements defined for ACH batches apply to recurring payment
instructions. Based on the corporate user ID of the person who added or edited the
recurring instructions most recently,
•
The Audit report and ACH reports track recurring payments.
•
Activation user limits are increased.
Corporate administrators give permission to allow corporate users to establish recurring
instructions. You can only add recurring instructions to batches for which you have add
or edit permission.
Use the ACH Exception Report to view details for batches with recurring payments
processing errors.
ACH Services
The ACH product currently provides ACH services for banks that support large
corporations and small businesses using ColdFusion and Java technologies. We are in the
process of changing the technology from ColdFusion to Java. During the transition, the
system is available in a configuration that includes
•
ColdFusion-enabled services only
•
Both Java-enabled services and ColdFusion-enabled services.
Note: Systems that use market segmentation are configured to include both Java-enabled
and ColdFusion-enabled services.
The following table describes the ACH services. Currently, all of the ACH services use
ColdFusion technology. Bank services are documented in this Guide. Corporate
services are documented in the ACH User Guide.
The service...
With the
Allows...
Service ID...
Bank Services
ACH Company
Maintenance
ACHCompany
Bank personnel to add and manage the ACH
companies for corporate customers.
Note: If your system uses market
segmentation, this service is not available.
You must use the Customer Administration
service in the e-Commerce Platform
product.
For more information about
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ACH Overview
•
Market segmentation, see “Market
Segmentation” on page 5.
•
The Customer Administration service,
see the e-Commerce Platform Customer
Administration Guide.
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The service...
With the
Allows...
Service ID...
ACH Cutoff Time
Maintenance
ACHCutoff
Bank personnel to set up and manage the
cutoff times for ACH activity.
ACH Exception
Report
ACHException
Bank personnel to request and display
summary and detailed information for ACH
batches with recurring payments and errors
found during processing.
ACH File Name
Maintenance
ACHFileNames
Bank personnel to add and manage unique
file names for corporate customers.
Note: This is an optional service.
ACH Host End Point
Maintenance
ACHEndPoint
Bank personnel to add and manage end
points, which you use to divert ACH files
from standard processing for one or more
corporate customers.
Note: This is an optional service.
ACH Map Definition
ACHMapDef
Bank personnel and corporate customers to
add and manage ACH maps, which control
the format of imported ACH files and how
imported files function.
ACH Pass-Thru
Report
ACHPTReport
Bank personnel and corporate customers to
display summary information for the passthru ACH files loaded into the ACH product.
ACH Report
ACHRpt
Bank personnel and corporate customers to
display summary and detailed information
for batches.
ACH Settings
ACHSettings
Bank personnel to set up and manage the
ACH settings, which control
ACH Status Report
ACHStatus
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•
How the system builds ACH files
•
E-mail addresses the system uses to
send ACH information and messages to
the bank
•
Cross-border settings.
Bank personnel to display summary and
detailed information for ACH files and the
batches in the ACH files.
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The service...
With the
Allows...
Service ID...
ACH Transaction
Type Maintenance
ACHTranTypes
Bank personnel to select and manage the
short names and long, descriptive names
for the transaction type codes the bank
allows for ACH activity.
Note: If your system uses market
segmentation, this service is not available.
You must use the Target Market service in
the e-Commerce Platform product. For
more information about
ACH User
Permissions
ACHUserPerm
•
Market segmentation, see “Market
Segmentation” on page 5.
•
The Target Market service, see the eCommerce Platform Reference Guide.
Bank personnel and corporate
administrators to
Add and manage permissions to ACH
companies and transaction type codes for
corporate personnel
Set the ACH limits for corporate personnel.
Note: If your system uses market
segmentation, this service is not available.
You must use the Customer Administration
service in the e-Commerce Platform
product.
For more information about
•
Market segmentation, see “Market
Segmentation” on page 5.
•
The Customer Administration service,
see the e-Commerce Platform Customer
Administration Guide.
Corporate
Services
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ACH Overview
ACH Batch
Activation
ACHActivate
Corporate customers to activate ACH
batches.
ACH Batch
Approval
ACHApprove
Corporate customers to approve activated
batches.
ACH Batch
Maintenance
ACHBatch
Corporate customers to add and manage
ACH batch templates.
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The service...
With the
Allows...
Service ID...
ACH Batch
Template Approval
ACHTmplAppr
Corporate customers to approve ACH batch
templates. After viewing batch template
details, you can choose to approve or reject
the template itself.
If you approve a batch template that
requires approval, the batch template is
then available for use with other ACH
services. If you reject a batch template that
requires approval, it is in the rejected state
and is available for use only in the ACH
Batch Maintenance service.
ACH Exception
Report
ACHException
Corporate customers to request and display
summary and detailed information for ACH
batches with recurring payments and errors
found during processing.
ACH Import
ACHImport
Corporate customers to import NACHA
formatted, delimited, and fixed files into the
ACH product from an outside source.
ACH Participant
Maintenance
ACHPartMnt
Corporate customers to manage batch entry
information for participants.
ACH Pass-Thru
ACHPassThru
Corporate customers to load ACH files built
outside of the ACH product into the ACH
product for validation and processing.
ACH Pass-Thru
Report
ACHPTReport
Bank personnel and corporate customers to
display summary information for the passthru ACH files loaded into the ACH product.
ACH Reversals
ACHReversal
Corporate customers to submit a request to
the bank to reverse an entry that was
previously sent in an ACH batch file.
ACH Totals
ACHTotals
Corporate customers to submit to the bank
the total debit and credit amounts of all
ACH files sent to the bank for processing
during the current day.
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The service...
With the
Allows...
Service ID...
ACH User
Permissions
ACHUserPerm
Bank personnel and corporate
administrators to
Add and manage permissions to ACH
companies and transaction type codes for
corporate personnel
Set the ACH limits for corporate personnel.
Note: If your system uses market
segmentation, this service is not available.
You must use the Customer Administration
service in the e-Commerce Platform
product.
For more information about
•
Market segmentation, see “Market
Segmentation” on page 5.
•
The Customer Administration service,
see the e-Commerce Platform Customer
Administration Guide.
ACH User Interface
For security purposes, when using the Internet-based ACH product, be sure to use Back,
Cancel, Delete, Print, and Reset buttons on application pages instead of your browser's
Back, Forward, Stop, or Refresh buttons. To refresh a page, reselect the service tab.
These procedures ensure the security of banking data such as account numbers.
Be careful to click buttons displayed on ACH pages only once. Double-clicking buttons
can cause system problems. For example, following is the ACH Report page with
Submit and Clear buttons that you should only click once.
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ACH Overview
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Page Element Standards
Element
Description
Example
Field sizes
Display next to field names
Required fields
Display in red and have an asterisk
(*) on the software page
Requested
date/time stamp
Displays on reports when you
generate them
Report columns
Are sortable, except columns that
contain hyperlinks
Click a column header to sort the
data in either ascending or
descending order, depending on
the current sort state.
Multi-select boxes
Selects multiple options in a multiselect box
Press the Shift key while you
click each option. To select nonconsecutive options, press the
Control (Ctl) key while you click
the options.
Date formats
Short - M/d/yy
Short - 3/7/04
Medium - MMM d, yyyy
Medium - Mar 27, 2004
Long - MMMM d, yyyy
Long - Marc 27, 2004
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Element
Description
Time formats
Example
Short - h:mm a
4:24 PM
Medium h:mm:ss a
4:24:53 PM
4:24:53 PM EST
Long - H:mm:ss a z
Credits
Display in green
Debits
Display in red
Getting Started
This section describes the tasks for setting up the ACH product for use by bank
personnel, corporate administrators, and corporate users.
ACH Setup Tasks for Bank Personnel
Bank personnel must complete the following setup tasks before using the ACH product:
•
Use the ACH Settings service to define the ACH settings.
•
Use the ACH Transaction Type Maintenance service to select the short name
and long, descriptive name for transaction types for the leadbank.
•
Use the ACH Cutoff Time Maintenance service to add the leadbank’s cutoff
times for ACH activity and Consolidated Payments activity.
•
Use the ACH Company Maintenance service to
−
Add ACH companies for each corporate customer
−
Select the transaction type codes for each ACH company
Note: If your system uses market segmentation, corporate administrators must use the
Customer Administration service in the e-Commerce Platform product instead of the
Company Maintenance service to complete these setup tasks.
•
16
ACH Overview
Use the User Permissions service to
−
Permit corporate personnel access to ACH companies for ACH activity
−
Select the corporate user’s permitted transaction type codes for each ACH
company
−
Set the maintenance, activation, and approval limits for the user’s
permitted transaction type codes in the ACH companies.
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Note: If your system uses market segmentation, corporate administrators must use the
Customer Administration service in the e-Commerce Platform product instead of the
Company Maintenance service to complete these setup tasks.
•
Use the ACH End Point Maintenance service (if the bank uses end points) to
add end points and associate one or more corporate customers with each end
point.
•
Use the ACH File Name Maintenance service (if the bank uses file names) to
−
Add unique file names for ACH files
−
Associate a corporate customer with a file name.
ACH Setup Tasks for Corporate Administrators
Corporate administrators must complete the following setup tasks before using the ACH
product:
•
Use the ACH Batch Maintenance service to add the batch templates for each
ACH company.
•
Use the User Permissions service (if the bank permits) to
•
−
Permit corporate users access to ACH companies for ACH activity
−
Select the corporate user’s permitted transaction type codes for each ACH
company
−
Set the maintenance, activation, and approval limits for the user’s
permitted transaction type codes in the ACH companies.
Use the ACH Map Definition service (if you plan to use Import) to add the
ACH maps for importing files into the ACH product.
Note: If your system uses market segmentation, corporate administrators must use the
Customer Administration service in the e-Commerce Platform product instead of the
Company Maintenance service to complete these setup tasks.
ACH Setup Tasks for Corporate Users
Depending on how the corporate customer operates, corporate users may be required to
complete the following setup tasks before using the ACH product:
•
Use the ACH Batch Maintenance service to add the batch templates for each
ACH company.
•
Use the ACH Map Definition service to add the ACH maps for importing files
into the ACH product.
Menu Interfaces
The system provides the following user menu interfaces for system navigation:
Tabbed-Menu Interface
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Banks and some corporate customers use tabbed menus for system navigation. To use a
tabbed menu, select the service group to display the associated service tabs. Then select
the service tab to display the specific service.
Tiered-Menu Interface
Corporate customers also use tiered menus for system navigation. To use a tiered menu,
select the top tier to display the associated lower-level tier. Then select the lower-level
tier to display specific services. Tiered menus can contain up to three levels.
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2. ACH Settings
About ACH Settings
Use the ACH Settings service to add and manage the ACH settings for the leadbank.
These settings control
•
How the system builds and formats ACH files as well as the default
information for certain key fields
•
The e-mail address the system uses to send system messages, reversal requests,
and ACH file totals to the bank
•
Whether corporate customers can add and manage cross-border batches
•
Whether corporate customers can add entries to batches that affect general
ledger accounts and loan accounts.
Relationship to Consolidated Payments
The system uses several of the settings in the ACH Settings service to process approved
payment requests for the Consolidated Payments product. For more information, see the
Consolidated Payments Reference Guide.
Relationship to other ACH Services
The settings in this service affect many of the other ACH services. You should establish
the settings in this service before you set up the other ACH services.
The system uses some of the settings in this service as the default values in other ACH
services. Users can override these default values in the other ACH services.
Service Information
The following information applies to the ACH Settings service.
Technology
This is a ColdFusion-enabled service.
Audience
The ACH Settings service is available to bank personnel. For a complete list of all ACH
services and the audience for each service, see “ACH Services” on page 10.
Default Service Identifiers
The following default service identifiers are associated with the ACH Settings service
and reflect the initially-installed values:
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20
ACH Settings
•
Service Name: ACH Settings
The service name is the name that the system uses to describe a service.
•
Tab Text: ACH Settings
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHSettings
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs.
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ACH Settings
ACH Settings Page
ACH Settings
Use this page to add and manage the ACH settings for leadbanks.
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Fields
Field Name
Description
ACH System section
Future Date Default
The default number of days for the Future Date field on the
Company Information Data Entry page. Bank personnel can change
the default number of days in the Future Date field when they add
ACH companies.
The Future Date field controls how far in the future a user can
manually change the effective date for a batch or a payment
request.
For more information, see the Company Information Add Page.
Enter the number of days between 0 and 365. The default is 10.
Warehousing (Y/N)
An option that indicates when the system processes an approved
batch or payment request. If the warehousing method is
•
Yes, the system processes approved batches and payment
requests a specific number of days before the effective entry
date.
Note: The Effective Entry Date Default field for the transaction type
code on the Transaction Type Selection page controls the specific
number of days. If you select this method, the system warehouses
or holds approved batches and payment requests until the date
qualifies for processing.
•
No, the system processes all approved batches and payment
requests at the cutoff time, regardless of the effective entry
date.
For more information about the
•
Cutoff process, see About Cutoffs
•
Transaction Type Selection page, see Transaction Type
Selection Page.
Select the warehousing method. The default is Yes.
Process Cutoff on
Holiday (Y/N)
An option that indicates whether the system runs the cutoff process
on holidays. Use the Holidays service to define the holidays for the
leadbank. For more information about
•
The cutoff process, see About Cutoffs
•
Holidays, see the e-Commerce Platform Reference Guide.
Select Yes to run the cutoff process on holidays. The default is Yes.
Enable SB ACH
Prefunding (Y/N)
An option that indicates whether the system allows prefunding for
Small Business ACH transactions. Select Yes to allow prefunding.
Select No to disallow prefunding. When you enable ACH Prefunding,
the system verifies funds in an offset account for the selected payee
before processing transactions. The default is No.
System E-Mail
The e-mail address at the bank to receive system messages if you
have a mail server configured. ACH sends all ACH-specific messages
to this e-mail address for events such as missing company IDs.
Enter the e-mail address. For example:
[email protected]
Required. Enter up to 40 alphanumeric characters.
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ACH Settings
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ACH Settings
Field Name
Reversals E-Mail
Description
The e-mail address at the bank to receive reversal requests from
corporate customers if you have a mail server configured. ACH
sends all reversal requests to this e-mail address. Enter the e-mail
address. For example:
[email protected]
Optional. Enter up to 40 alphanumeric characters.
Totals E-Mail
The e-mail address at the bank to receive ACH file totals from
corporate customers if you have a mail server configured. ACH
sends all ACH file totals to this e-mail address.
Enter the e-mail address. For example:
[email protected]
Optional. Enter up to 40 alphanumeric characters.
Enable Recurring
Payments (Y/N)
An option that indicates whether the system allows processing of
recurring payments. Select Yes to allow recurring payments. Select
No to disallow recurring payments. The default is Yes.
Note: When you disable recurring payments, recurring instructions
associated with existing batches are deleted.
ACH File section
ACH File Format
A list of options that control how the system builds ACH files for
corporate customers. If you select
•
Separate Customer Files, the system builds separate ACH files
for each corporate customer.
•
Single File per LeadBank (Separate Customer Files), the system
builds one ACH file for the leadbank, which contains separate
ACH files for each corporate customer
•
Single File per LeadBank (Batches Merged), the system builds
one ACH file for the leadbank, which contains the merged
batches for all corporate customers.
Note: You must select Separate Customer Files if you use the
customer file name feature. This fields does not apply to pass-thru
files.
Select an ACH file format for the leadbank. The default is Separate
Customer Files.
Custom Name for Single
File
The file name the system uses to name ACH files. You can enter a
custom file name only if you select one of the Single File per
Leadbank options in the ACH File Format field.
Enter the file name.
If you leave this field blank, the system uses the default naming
format [cust code]_[file type]jjjsssss, where
•
•
[cust code] is the code for the corporate customer
_ is an underscore
•
[file type] is an A for a normal cutoff file
•
jjj is the Julian date
•
sssss is a unique sequence number.
Optional. Enter up to 17 alphanumeric characters.
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Field Name
Overwrite Duplicate
Files (Y/N)
Description
An option that indicates whether the system overwrites duplicate file
names.
You can select Yes only if you
•
Select one of the Single File per Leadbank options in the ACH
File Format field
•
Enter a file name in the Custom Name for Single File field.
Select Yes to overwrite duplicate file names.
If you select No, the system appends all duplicate file names with
an underscore ( _ ) and a unique identifier to make the file name
unique. The default is No.
Pad File with 9’s (Y/N)
An option that indicates whether you want the system to include in
ACH files additional lines that contain 9s after the ACH File Trailer
record (9 record). Use this option to keep the number of records in
ACH files divisible by 10.
Select Yes to pad ACH files with 9s. The default is Yes.
ODFI Routing Number
The routing number for the originating depository financial
institution (ODFI.
The value in this field displays in the
•
Batch Header record (5 record)
•
Entry Detail record (6 record) as the first 8 digits of the Trace
Number field
•
Batch Trailer record (8 record).
Enter the routing number. The first 8 digits are the ABA number and
the last digit is the check digit.
Required. Enter 9 numeric characters.
Immediate Destination
The routing number for the ACH recipient (receiving point). The
immediate destination usually contains
•
1 blank
•
4-digit federal reserve routing symbol
•
4-digit ABA institution identifier
•
1-digit check digit.
The value in this field displays in the ACH File Header record (1
record) for all ACH files.
Required. Enter up to 10 alphanumeric characters for the immediate
destination.
Immediate Origin
The routing number for the ACH originator (sending point). The
immediate origin usually contains
•
1 blank
•
4-digit federal reserve routing symbol
•
4-digit ABA institution identifier
•
1-digit check digit.
The value in this field displays in the ACH File Header record (1
record) for all ACH files.
Note: If an end point exists, the system ignores the value in the
Immediate Origin field and uses the end point code.
Required. Enter up to 10 alphanumeric characters for the immediate
origin.
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ACH Settings
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ACH Settings
Field Name
Destination Name
Description
The name for the immediate destination. The value in this field
displays in the ACH File Header record (1 record) for all ACH files.
Enter the name.
Optional. Enter up to 23 alphanumeric characters.
Origination Name
The name for the originating depository financial institution (ODFI).
The value in this field displays in the ACH File Header record (1
record) for all ACH files.
Optional. Enter up to 23 alphanumeric characters for the name.
Reference Code
Additional information that is relevant to the originator.
The value in this field displays in the ACH File Header record (1
record) for all ACH files.
Optional. Enter up to 8 alphanumeric characters for the reference
code.
Cross Border FX
Indicators section
Fixed to Fixed (FF)
(Y/N)
An option that indicates whether the leadbank permits corporate
customers to add fixed-to-fixed batches when the payment
originates in United States Dollars (USD) and is paid in USD.
For more information about batches, see the ACH User Guide and
online help.
Note: This option is available only for batches with cross-border
transaction type codes.
Select Yes to permit the fixed-to-fixed option for corporate
customers. The default is No.
Fixed to Variable (FV)
(Y/N)
An option that indicates whether the leadbank permits corporate
customers to add fixed-to-variable batches when the payment
originates in USD and is paid in a foreign currency.
For more information about batches, see the ACH User Guide and
online help.
Note: This option is available only for batches with cross-border
transaction type codes.
Select Yes to permit the fixed-to-variable option for corporate
customers. The default is No.
Acct Type for
Batches/Participants
section
Enable G/L Account
(Y/N)
An option that indicates whether the leadbank permits batch entries
that use the General Ledger account type.
Corporate customers select an account type when they add entries
to a batch. For more information about batches, see the ACH User
Guide and online help.
Note: The General Ledger account type is not available for batches
with
•
Cross-border transaction type codes
•
The WEB transaction type code.
Select Yes to permit the General Ledger account type for corporate
customers. The default is No.
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Field Name
Enable Loan Account
(Y/N)
Description
An option that indicates whether the leadbank permits batch entries
that use the Loan account type.
Corporate customers select an account type when they add entries
to a batch. For more information about batches, see the ACH User
Guide and online help.
Note: The Loan account type is not available for batches with
•
Debit-only transaction type codes
•
Cross-border transaction type codes
•
The WEB transaction type code.
Select Yes to permit the Loan account type for corporate customers.
The default is No.
ACH User Process
Options section
Bank User Delete
Batches (Y/N)
An option that indicates whether bank users are allowed to delete
batches in the ACH Report Service. Select Yes to permit deletion of
batches for bank users. The default is No.
Corporate User Delete
Batches (Y/N)
An option that indicates whether corporate users are allowed to
delete batches in the ACH Report Service.
Select Yes to permit deletion of batches for corporate users. The
default is Yes.
Free Form Addenda
Data Required (Y/N)
An option that indicates whether free-form addenda is required for
the leadbank.
Select No to allow free-form addenda data to be optional. Select
Yes to require free-form addenda data. The default is Yes.
Import Batches as
Disabled (Y/N)
An option that indicates the status of all accepted imported batches.
Select Yes to set the status of all accepted imported batches to
Disabled.
Select No to set the status of all accepted imported batches to
Active. The default is Yes.
Template Approval
Allowed (Y/N)
An option that indicates whether ACH users are allowed to approve
batch templates.
Select Yes to allow approval of batch templates. The default is No.
No Activity Indicator (1999)
An option that indicates you want the system to highlight participant
records that have not been activated within a specific time. This
notice is displayed on the Edit Entries page.
Enter the number of days after which you want to highlight inactive
participant records. The default is 120.
ACH Pass-Thru
Options section
Require Approval for
Pass-Thru Files (Y/N)
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ACH Settings
An option that indicates whether you want the system to require
approval for processing pass-thru files for all customers within the
leadbank. The status of a file is set to Accepted/Approval Required
when it is accepted in the Pass-Thru service. The default is No.
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ACH Settings
Field Name
Description
Apply Limit Validations
to Pass-Thru Files (Y/N)
An option that indicates whether you want the system to validate
amounts for pass-thru files according to established limits. Selecting
Yes means the pass-thru process validates the batches and
transactions within the file being processed to determine if the
transactions and the total batch amount exceed the user's limits set
in ACH Permissions for the associated ACH company. Customer and
user overall limits are also validated. The default is No.
Buttons
Button
Description
Submit
Saves your changes.
Reset
Restores the information in all fields to the last-saved values.
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ACH Settings
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3. ACH Transaction Type
Maintenance
About Transaction Types
Use the Transaction Type Maintenance service to select the transaction types for the
leadbank. Transaction types are unique codes delivered with the ACH product, which the
system uses to identify the
•
Standard Entry Class (SEC) code for each batch
•
Format of the entries or transactions in the batch
•
Type of transactions within the batch.
Standard Entry Class (SEC) Codes
The SEC codes that are supported in the ACH product are as follows:
•
CBR for corporate cross border payments
•
CCD for cash concentrations or disbursements
•
CTX for Corporate Trade Exchange (pass-thru only)
•
PBR for consumer cross border payments
•
PPD for prearranged payments and deposits
•
RCK for represented checks
•
TEL for telephone-initiated entries
•
WEB for Internet-initiated entries.
For a complete list of the transaction type codes delivered with the ACH product and a
description for each code, see Appendix A: Transaction Type Codes.
Transaction Type Code Format
Each transaction type code consists of an SEC code followed by one of the following
codes, which indicates the type of transactions within the batch:
•
CD for credits and debits
•
CO for credits only
•
DO for debits only
Addenda
The transaction type code includes a + (plus symbol) if the batch contains addenda,
which provides additional payment information.
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Example
1. The SEC code for cash concentrations or disbursements is CCD.
2. Addenda indicator is a plus sign (+)
3. Credits and debits indicated by CD.
For a complete list of the transaction type codes delivered with the ACH product and a
description for each code, see Appendix A: Transaction Type Codes.
Transaction Type Setup
After you use the Transaction Types service to select the transaction type codes for your
leadbank, you must use the following services to complete the transaction type setup:
•
Company Information
Use this service to permit the transaction type codes for each ACH company
defined for a corporate customer. The transaction type codes you enabled
using the Transaction Types service are the codes you can access using this
service. For more information, see Chapter 6: ACH Company Maintenance.
•
Permissions
Use this service to permit the ACH companies a corporate user can access.
Then, for each permitted ACH company, permit the transaction type codes the
corporate user can access. The list of transaction type codes you permitted
using the Company Information service are the transaction type codes you can
access using this service. For more information, see Chapter 8: User
Permissions.
Batch Templates
When corporate users add ACH batch templates using the ACH Batches service, they
must select an ACH company and a transaction type code for the template. The ACH
companies and transaction type codes you permitted to corporate users using the
Permissions service are those they can access for batch templates. For more information
about batches, see the ACH User Guide and online help.
Service Information
The following information applies to the Transaction Type Maintenance service.
Availability
If your system uses market segmentation, the Transaction Type Maintenance service is
not available. You must use the Target Market service in the e-Commerce Platform
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ACH Transaction Type Maintenance
product to enable the transaction type codes for the target market. For more information,
see
•
“Market Segmentation” on page 5
•
The e-Commerce Platform Reference Guide.
Technology
This is a ColdFusion-enabled service.
Audience
The Transaction Type Maintenance service is available to bank personnel. For a complete
list of all ACH services and the audience for each service, see “ACH Services” on page
10.
Default Service Identifiers
The following default service identifiers are associated with the Transaction Type
Maintenance service and reflect the initially-installed values:
•
Service Name: ACH Transaction Type Maintenance
The service name is the name that the system uses to describe a service.
•
Tab Text: Transaction Types
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHTranTypes
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs.
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Transaction Type Selection Page
Transaction Type Selection
Use this page to select transaction type codes for leadbanks and the settings for each
transaction type code.
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ACH Transaction Type Maintenance
Fields
Field Name
Transaction Types
Description
The transaction type codes for the ACH product.
Note: The PAYCO and TAXCO transaction type codes are used only
for the Consolidated Payments product.
This field is display only.
Transaction Type Long
Name
A descriptive long name for each transaction type. Enter a long
name to describe the transaction type. Optional. Enter a maximum
of 60 alphanumeric characters.
If you do not define long names for transaction types, the system
uses the following default names:
•
CBR w/Addenda, Credits
•
CBR w/Addenda, Debits
•
CCD w/Addenda, Mixed Credits and Debits
•
CCD w/Addenda, Credits
•
CCD w/Addenda, Debits
•
CCD, Mixed Credits and Debits
•
CCD, Credits
•
CCD, Debits
•
PAYCO - PPD, Credits
•
PBR w/Addenda, Credits
•
PBR w/Addenda, Debits
•
PPD w/Addenda, Mixed Credits and Debits
•
PPD w/Addenda, Credits
•
PPD w/Addenda, Debits
•
PPD, Mixed Credits and Debits
•
PPD, Credits
•
PPD, Debits
•
CCD w/SBA Payment Addenda, Credits
•
Re-presented Check Entries
•
TAXCO - CCD, Credits
•
Telephone-Initiated Entries
•
Telephone-Initiated Entries, Credits
•
Telephone-Initiated Entries, Debits
•
WEB w/Addenda, Debits
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Field Name
Short Name
Description
A descriptive short name for each transaction type. Enter a short
name to describe the transaction type. Optional. Enter a maximum
of 20 alphanumeric characters.
If you do not define short names for transaction types, the system
uses the following default names:
Enabled
•
CBR+CO
•
CBR+DO
•
CCD+CD
•
CCD+CO
•
CCD+DO
•
CCDCD
•
CCDCO
•
CCDDO
•
PAYCO
•
PBR+CO
•
PBR+DO
•
PPD+CD
•
PPD+CO
•
PPD+DO
•
PPDCD
•
PPDCO
•
PPDDO
•
SBACO
•
RCK
•
TEL
•
TAXCO
•
TELCO
•
TELDO
•
WEB+DO
A setting that indicates whether the transaction type code is enabled
for the leadbank.
Select
•
Yes to enable the transaction type code for the leadbank
•
No to disable the transaction type code for the leadbank.
The default is No.
Effective Entry Date
Default
The number of future business days the system uses to set the
effective entry date for a batch. When a corporate user activates a
batch, the system adds the number of business days in this field to
the current processing date and displays this date in the Effective
Entry Date field on the Available Batch Templates page.
Select the default number of days from the list. The default is 1 for
debits and 2 for credits.
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ACH Transaction Type Maintenance
Field Name
Effective Entry Date
Override
Description
A setting that indicates whether the corporate user can change the
effective entry date to a date that is earlier than the default effective
entry date. You change the effective entry date in the Effective Entry
Date field on the Available Batch Templates page.
However, the corporate user cannot enter a date that is earlier than
the current processing date.
Select
•
Yes if the corporate user can change the date
•
No if the corporate user cannot change the date.
The default is No.
Offset Creation Level
A setting that indicates whether the corporate user must select an
offset account for each
•
Batch template
•
Entry within a batch template.
An offset transaction is a settlement transaction that moves funds to
or from the corporate customer’s account for the credit or debit
transactions that the corporate customer originates.
Select
•
None if you do not want the system to generate an offset
transaction for batches or entries that use this transaction type
code
•
Batch if you want the system to generate one offset transaction
for each batch that uses this transaction type code
•
Transaction if you want the system to generate an offset
transaction for each entry or transaction within a batch that uses
this transaction type code.
The default is None.
Buttons
Button
Description
Change
Saves your changes.
Reset
Restores the information in all fields to the last-saved values.
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4. ACH Cutoff and Activation
Time Maintenance
About Cutoffs
Use the Cutoff and Activation Time Maintenance service to add and manage the ACH
cutoff and activation times for the leadbank. Activation time maintenance is available
only for recurring payments. The cutoff time indicates the time of day that the system
•
Collects all batches with an Approved status
•
Generates one or more ACH files using the ACH file format
•
Places the ACH files in the bank-specified directory
•
Sets the current processing date to the next working business day (for the last
cutoff time defined for the day).
At the last cutoff time defined for the day, the system sets the current processing date to
the next working business day. The system processes batches that are approved after the
final cutoff time for the current day at the first cutoff time on the next working business
day.
Relationship to Consolidated Payments
The system uses the ACH cutoff times as the cutoff times for the Consolidated Payments
product. At the cutoff time, the system
•
Collects all payment requests with an Approved status
•
Builds batches of similar payment requests
•
Generates one or more ACH files using the ACH file format (If the bank uses
the Consolidated Payments product and the ACH product, the system
consolidates batches from both products in the same ACH files.)
•
Places the ACH files in the bank-specified directory
•
Sets the current processing date to the next working business day (for the last
cutoff time defined for the day).
For more information, see the Consolidated Payments Reference Guide.
Warehousing Method
In addition to the cutoff time, the warehousing method selected for the leadbank controls
when the system processes an approved batch or payment request. The bank uses the
ACH Settings service to define the warehousing method for the leadbank. If the
warehousing method is
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•
Yes, the system processes approved batches and payment requests a specific
number of days before the effective entry date (The Effective Entry Date
Default field for the transaction type code controls the specific number of
days.)
•
No, the system processes all approved batches and payment requests at the
cutoff time, regardless of the effective entry date.
Holidays and Nonbusiness Days
The selection in the Process Cutoff on Holiday field on the ACH Settings page controls
whether the system runs the cutoff process on holidays. Use the Holidays service in the eCommerce Platform product to define the holidays for the leadbank.
Use the Nonbusiness Days service in the e-Commerce Platform product to indicate the
nonworking days for the leadbank.
For more information about
•
Holidays and nonbusiness days, see the e-Commerce Platform Reference
Guide
•
The ACH Settings page, see the “ACH Settings Page” on page 21.
Status Report Service
You can use the reports in the Status Report service to display detailed information for
the ACH files created during the ACH cutoff process. For more information about this
service, see
Status Report.
Service Information
The following information applies to the Cutoff Time Maintenance service.
Technology
This is a ColdFusion-enabled service.
Audience
The Cutoff Time Maintenance service is available to bank personnel. For a complete list
of all ACH services and the audience for each service, see “ACH Services” on page 10.
Default Service Identifiers
The following default service identifiers are associated with the Cutoff Time
Maintenance
service and reflect the initially-installed values:
•
Service Name: ACH Cutoff Time Maintenance
The service name is the name that the system uses to describe a service.
•
Tab Text: Cutoffs
The tab text is the abbreviated name on the service tab.
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ACH Cutoff Activation and Time Maintenance
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ACH Cutoff and Activation Time Maintenance
•
Service ID: ACHCutoff
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs.
Cutoff and Activation Time Maintenance Pages
The Cutoff and Activation Time Maintenance service contains the following pages:
•
ACH Cutoff and Activation Time Selection Page
•
ACH Cutoff and Activation Time Data Entry Page
•
ACH Cutoff and Activation Time Report Page
ACH Cutoff and Activation Time Selection
Page
ACH Cutoff Times Selection
Use this page to select
•
Whether you want to manage cutoff times or activation times
•
A day of the week to add or manage cutoff time information
•
A time of the day to activate ACH batch files.
Fields differ depending on whether you choose to manage cutoff times or activation
times.
Fields
If you choose to manage cutoff times, the selection page displays the Day of Week field,
which contains a list of the days of the week. Select a day from the list to open the ACH
Cutoff and Activation Times Data Entry page and display cutoff time information for the
selected day.
If you choose to manage activation times for recurring payments, the ACH Cutoff and
Activation Times Data Entry page displays with defined activation times displayed.
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Automated Clearing House (ACH) Reference Guide
Buttons
Button
Description
Cutoff Time
Opens the data entry page with fields for defining cutoff times
Activation Time
Opens the data entry page with fields for defining activation times
View Printable Report
Opens the ACH Cutoff and Activation Times Report page, which
displays cutoff for each day of the week and activation time
information.
ACH Cutoff and Activation Time Data Entry
Page
ACH Cutoff Times Data Entry
Use this page to add and manage ACH cutoff and activation time information for the
leadbank. The page that displays depends on whether you chose Cutoff Time or
Activation Time on the ACH Cutoff Time Selection Page.
Multiple Daily Cutoff Times
You can specify one or more cutoff times for each day of the week. The cutoff time
indicates the exact time that the system runs the ACH cutoff process. When the system
runs the ACH cutoff process for the last cutoff time of the day, it resets the current
processing date to the next working business day. If you do not want the system to run
the ACH cutoff process for a day of the week, do not add cutoff times for that day.
Empty ACH Files
For each cutoff time, you can select whether you want the system to generate an empty
ACH file. If you select this option for a cutoff time and no approved batches or payment
requests are available for processing, the system generates an ACH file that contains only
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ACH Cutoff and Activation Time Maintenance
an ACH header record (1 record) and an ACH trailer record (9 record). Use this option to
indicate that the ACH cutoff process ran, but that no approved batches or payment
requests were available for processing.
Results
When you add or change information on the data entry pages and click Submit Changes,
the Results section displays on the page. This section confirms the information you
added, changed, or deleted. The Results section does not display when you first access
this page or when you select a different day of the week.
Fields
Field Name
Description
Cutoff Time Page
Day of Week
Selection section (not
labeled)
Day of Week
A list that contains the days of the week. Select a day of the week.
Result: When you select a day, the Cutoff Time Information Section
displays the current cutoff information for the selected day.
Results section (not
labeled)
Action
The action or actions the system performed when you clicked
Submit Changes. The values are
•
Add
•
Change
•
Delete.
For more information, see “Results” above.
This field is display only.
Update Results
A message describing the results of the actions the system
performed when you clicked Submit Changes.
For example:
•
Monday Cutoff 18:00 Added.
•
Monday Cutoff 09:00 Deleted.
•
Sunday Cutoff 18:00 Created
•
Empty File set to No.
For more information, “Results” above
This field is display only.
Cutoff Time
Information section
(not labeled)
Cutoff Time
The current cutoff time for the specified day of the week.
This field is display only.
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Field Name
Create Empty File
Description
An option that indicates whether you want the system to generate
an empty ACH file at cutoff time if no approved batches or payment
requests are available for processing.
For more information, see “Empty ACH Files” on page 40.
Select the check box to generate empty ACH files for the selected
cutoff time.
Delete
An option that indicates whether you want the system to delete the
selected cutoff time.
Select the check box and click Submit Changes to delete the cutoff
time.
Add New section (not
labeled)
Create Empty File (not
labeled)
An option that indicates whether you want the system to generate
an empty ACH file at cutoff time if no approved batches or payment
requests are available for processing.
For more information, see “Empty ACH Files” on page 40.
Select the check box to generate empty ACH files for the selected
cutoff time.
HH:MM new
The time of day for the new cutoff time.
Enter the new cutoff time using the hh:mm format, and click
Submit Changes.
For example, enter:
•
09:00 for 9:00 a.m.
•
18:00 for 6:00 p.m.
•
00:00 for midnight
Activation Time Page
Activation Time
List of times defined for activating ACH batches
Delete
Checkbox to indicate you want to delete the activation time on the
same line
HH:MM
The time of day for the new activation time. Enter the new activation
time using the hh:mm format, and click Submit Changes.
For example, enter:
•
09:00 for 9:00 a.m.
•
18:00 for 6:00 p.m.
•
00:00 for midnight
Buttons
Button
Description
View Printable Report
Opens the ACH Cutoff and Activation Time Report page, which
displays cutoff information for each day of the week and batch
activation times
New
Stores the activation time specified in the HH:MM field
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ACH Cutoff and Activation Time Maintenance
Button
Description
Submit Changes
Saves the new or changed cutoff or activation time information and
displays the Results section
Reset
Restores the information in all fields to the last-saved values.
ACH Cutoff and Activation Time Report Page
ACH Cutoff Report
Use this report to display cutoff time information for each day of the week or defined
activation times. This page displays when you click View printable report on the ACH
Cutoff and Activation Times Selection page or the ACH Cutoff and Activation Times
Data Entry page. You cannot change information on this page.
Fields
Field Name
Description
Day of Week
The day of the week for the cutoff information.
Cutoff Time
The cutoff times for the day of the week. The message No Cutoff
Times exist displays if cutoff information does not exist for the day
of the week.
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Field Name
Description
Create Empty File
The selection for creating an empty ACH file during the cutoff
process when approved batches or payment requests are not
available for processing. The values that display in this field are Yes
and No.
Last Modified
The customer ID and user ID of the person who last changed the
cutoff information.
This field also displays the date and time the information was
changed.
Activation Time
The predefined times for activating ACH batches.
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5. ACH Endpoint Maintenance
About Endpoints
Use the End Point Maintenance service to add and manage the end points for the
leadbank. An end point is an immediate destination, which is part of the ACH file header
record (1 record). The ACH product uses end points to divert an ACH file from standard
processing when special processing is required.
End points are an optional feature in the ACH product.
How End Points Work
When you add an end point, you can associate one or more corporate customers with the
end point. When the ACH cutoff process runs and the system generates ACH files, it
checks to see if the corporate customer is associated with an end point. If the system
•
Finds an end point for the corporate customer, it uses the end point code as the
Immediate Destination in the ACH file header record (1 record)
•
Does not find an end point for the corporate customer, it uses the value in the
Immediate Destination field on the ACH Settings page as the Immediate
Destination in the ACH file header record.
For more information, also see
•
“ACH Settings Page” on page 21.
•
Appendix B: ACH File Formats.
ACH File Format
If you use end points, the system ignores the ACH file format setting on the ACH
Settings page and generates separate ACH files for each corporate customer.
Service Information
The following information applies to the End Points service.
Technology
This is a ColdFusion-enabled service.
Audience
The End Point Maintenance service is available to bank personnel. For a complete list of
all ACH services and the audience for each service, see “ACH Services” on page 10.
Default Service Identifiers
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The following default service identifiers are associated with the End Point Maintenance
service and reflect the initially-installed values:
•
Service Name: ACH End Point Maintenance
The service name is the name that the system uses to describe a service.
•
Tab Text: End Points
The tab text is the abbreviated name on the service tab
•
Service ID: ACHEndPoint
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs.
End Points Pages
The End Point Maintenance service contains the following pages:
•
ACH Host End Point Selection Page
•
End Point Data Entry Page
•
End Point Delete Page
•
ACH Host End Point Report Page
ACH Host End Point Selection Page
ACH Host End Points Selection
Use this page to add and manage the end points for the leadbank. From this page you can
•
Add an end point
•
Change information for an end point
•
Delete an end point
•
Display the ACH Host End Point report, which lists end point information for
one or more end points.
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ACH Endpoint Maintenance
Fields
Field Name
Code
Description
The unique code for the end point. Enter all or part of the code and
click Find/Refresh to list all end points that match the search
criteria.
Rule: To add a new end point, you must enter the code.
Required when adding. Enter up to 10 alphanumeric characters.
Name
The name for the end point. Enter all or part of the name and click
Find/Refresh to list all end points that match the search criteria.
Rule: To add a new end point, you must enter the name.
Required when adding. Enter up to 25 alphanumeric characters.
Endpoints (not labeled)
A list of end points for the leadbank. To change or delete an end
point, select one end point in the list.
To display the ACH Host End Points report, select one or more end
points in the list. Use the
•
Shift key to select a range of end points in the list
•
Ctrl key to select multiple end points in the list.
Buttons
Button
Find/Refresh
Add
Description
Displays a list of end points. If you
•
Enter information in the Code and Name fields, the system
displays only end points in the list that match the search criteria
•
Do not enter information in the Code and Name fields, the
system displays all end points in the list.
Opens the End Point Data Entry page. Use this page to add a new
end point.
Rule: You must enter a code and a name before you click Add.
Change
Opens the End Point Data Entry page and displays information for
the selected end point. Use this page to change the corporate
customers associated with the selected end point.
Delete
Opens the End Point Delete page and displays the corporate
customers associated with the end point. Use this page to delete the
selected end point.
Display
Opens the ACH Host End Point Report page and displays information
for the selected end points.
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End Point Data Entry Page
End Point Data Entry
Use this page to add and change end points. This page displays when you click Add or
Change on the ACH Host End Points Selection page.
Fields
Field Name
Description
End Point section
(not labeled)
End Point Code
The code for the end point. This field is display only.
End Point Name
The name for the end point. Enter changes to the name and click
Save End Point Changes.
Note: The Save End Point Changes button displays only when you
click Change on the ACH Host End Points Selection page.
Required. Enter up to 25 alphanumeric characters.
End Point Customer
Codes section (not
labeled)
Code
The code for the corporate customer. Enter all or part of the code
and click Find to list all active and inactive corporate customers that
match the search criteria.
Optional. Enter up to 12 alphanumeric characters.
Name
The name of the corporate customer. Enter all or part of the name
and click Find to list all active and inactive corporate customers that
match the search criteria.
Optional. Enter up to 40 alphanumeric characters.
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ACH Endpoint Maintenance
Field Name
Inactive Customers
Description
A list of corporate customers available to assign to the selected end
point. To move one or more corporate customers to the Active
Customers list, select the customers and click >.
Use the
Active Customers
•
Shift key to select a range of corporate customers in the list
•
Ctrl key to select multiple corporate customers in the list.
A list of corporate customers currently assigned to the selected end
point. To move one or more corporate customers to the Inactive
Customers list, select the customers and click <.
Use the
•
Shift key to select a range of corporate customers in the list
•
Ctrl key to select multiple corporate customers in the list.
Buttons
Button
Description
Save End Point Changes
Saves the information you changed in the End Point Name field. This
button displays only when you click Change on the ACH Host End
Points Selection page.
Rule: If you enter changes to the End Point Name field, you must
click this button to save the changes.
Find
Displays a list of all corporate customers who are not currently
assigned to the selected end point.
>
Moves the selected corporate customers from the Inactive
Customers list to the Active Customers list.
<
Moves the selected corporate customers from the Active Customers
list to the Inactive Customers list.
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End Point Delete Page
End Point Delete
Use this page to delete the selected end point. This page displays when you click Delete
on the ACH Host End Points Selection page. You cannot change information on this
page.
When you delete an end point, the system releases the corporate customers associated
with the end point. You can use the End Point Data Entry page to associate the corporate
customers with a different end point.
Fields
Field Name
Description
End Point Code
The code for the end point. Maximum 8 numeric characters.
End Point Name
The name for the end point. Maximum 25 alphanumeric characters.
Active Codes
The corporate customers associated with this end point.
Buttons
Button
Description
Delete
Deletes the selected end point from the leadbank.
Clear
This button is not used for deleting end points.
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ACH Endpoint Maintenance
ACH Host End Point Report Page
ACH Host End Point Report
Use this page to display information for one or more end points. This page displays when
you click Display on the ACH Host End Points Selection page.
Fields
Field Name
Description
Code
The code for the end point.
Name
The name for the end point. Corporate customers associated with
the end point display under the name.
Last Modified
The date and time the end point was last changed.
Mod Cust:Mod User
The customer code and user ID of the person who last changed the
end point.
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6. ACH Company Maintenance
About Company Maintenance
Use the Company Maintenance service to add and manage the ACH companies for each
corporate customer. ACH companies allow you to separate work responsibilities and
selectively permit corporate users to specific transaction type codes, which provides an
additional level of security for the ACH product.
You must add at least one ACH company for every corporate customer that uses the
ACH product.
ACH Company Examples
The following examples describe ways you can set up ACH companies:
•
A corporate customer is divided into multiple work units: Payroll, Tax
Payments, and Trade Payments. The users who work with the ACH product
differ by work unit. You add three ACH companies for the corporate customer
and tailor the ACH company settings and transaction type codes for each work
unit. You permit each corporate user who uses the ACH product to an assigned
work unit.
•
A corporate customer is divided into two divisions: Harris Enterprises and
Harris Consulting. The corporate users who work for Harris Enterprises can
work with the ACH product for both companies. The corporate users who work
for Harris Consulting can work with ACH information for only Harris
Consulting. You add two ACH companies and permit the Harris Enterprises
users to both ACH companies and the Harris Consulting users to only the
Harris Consulting ACH company.
•
A corporate customer is divided into several regions but one central department
is responsible for all ACH activity for the entire company. You add one ACH
company for the corporate customer and permit only the corporate users who
work with the ACH product to this ACH company.
Transaction Type Codes
After you add an ACH company, you must use this service to permit transaction type
codes for the ACH company. The transaction type codes you enabled for the leadbank in
the Transaction Type Maintenance service are available for you to permit to the ACH
company. For more information about
•
Transaction type codes, see Chapter 3: Transaction Type Maintenance
•
Setting up transaction type codes, see “Transaction Type Setup” on page 30.
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Offset Accounts
The Offset Creation Level selected for the transaction type code in the Transaction Types
service controls whether the system generates an offset transaction for each
•
Batch
•
Entry or transaction within a batch.
After you add an ACH company, if the transaction type code associated with the ACH
company requires offset accounts, use the Company Information service to select the
permitted offset accounts for the ACH company. The accounts permitted for the
corporate customer in the Corporate Accounts Permission service are available for you to
assign to the ACH company as offset accounts.
When a corporate user adds a batch template and the transaction type code associated
with the template requires offset accounts, the user must select an offset account for
either each batch or each entry within the batch. When the corporate user activates the
batch, the system processes the batch and generates an offset transaction for either the
batch or each entry within the batch, depending on the Offset Creation Level selected for
the transaction type code.
For more information about
•
Transaction type codes, see Chapter 3: Transaction Type Maintenance
•
Adding batch templates, see the ACH User Guide
•
Permitting corporate accounts, see the Corporate Account Permissions Service
section in the e-Commerce Platform Reference Guide.
ACH Company Setup
After you use the Company Maintenance service to add an ACH company and select the
transaction type codes and offset accounts for the ACH company, you must use the User
Permissions service to complete the ACH company setup. Use the User Permissions
service to assign one or more ACH companies to each corporate user who uses the ACH
product.
For each ACH company you assign to a corporate user, you must also
•
Select the transaction types the corporate user can access when working with
the ACH company
•
Set the authorization limits for each company and selected transaction type
code.
For more information, see Chapter 8: User Permissions.
Service Information
The following information applies to the Company Maintenance service.
Availability
If your system uses market segmentation, the Company Maintenance service is not
available. You must use the Customer Administration service in the e-Commerce
Platform product to add and manage ACH companies for corporate customers. For more
information about
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ACH Company Maintenance
•
Market segmentation, see “Market Segmentation” on page 5.
•
The Customer Administration service, see the e-Commerce Platform Customer
Administration Reference Guide.
Technology
This is a ColdFusion-enabled service.
Audience
The Company Maintenance service is available to bank personnel. For a complete list of
all ACH services and the audience for each service, see “ACH Services” on page 10.
Default Service Identifiers
The following default service identifiers are associated with the Company Maintenance
service and reflect the initially-installed values:
•
Service Name: ACH Company Maintenance
The service name is the name that the system uses to describe a service.
•
Tab Text: Company Info
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHCompany
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs.
Company Maintenance Pages
The Company Maintenance service contains the following pages:
•
Company Information Selection Page
•
Company Information Add Page
•
ACH Company ID Report Page
•
Transaction Types Page
•
Offset Accounts Page
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Company Information Selection Page
Company Information Selection
Use this page to add and manage the ACH companies for each corporate customer. From
this page you can
•
Add, change, or delete an ACH company
•
Select the transaction type codes for an ACH company
•
Select the offset accounts for an ACH company
•
Display the ACH Company ID report, which lists detailed information for one
or more ACH companies.
Fields
Field Name
Description
Customers section
(not labeled)
Code
The code for the corporate customer. Enter all or part of the code
and click Find to list all corporate customers who match the search
criteria.
Optional. Enter up to 12 alphanumeric characters.
Name
The name for the corporate customer. Enter all or part of the name
and click Find to list all corporate customers that match the search
criteria.
Customers (not labeled)
A list of corporate customers for the leadbank. Select a corporate
customer in the list to display a list of associated ACH companies in
the Company IDs section.
Company IDs section
(not lebeled)
ID
The identifier for the ACH company. Enter all or part of the code and
click Find/Refresh to list all ACH companies that match the search
criteria.
Optional. Enter up to 10 alphanumeric characters.
Name
The name for the ACH company. Enter all or part of the name and
click Find/Refresh to list all ACH companies in the list that match
the search criteria.
Optional. Enter up to 16 alphanumeric characters.
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ACH Company Maintenance
Field Name
ACH Companies (not
labeled)
Description
A list of ACH companies for the selected corporate customer. Select
one company in the list to
•
Change ACH company information
•
Delete an ACH company
•
Assign transaction type codes to the ACH company
•
Assign offset accounts to the ACH company.
Select one or more companies in the list to include on the ACH
Company ID report. Use the
•
Shift key to select a range of companies in the list
•
Ctrl key to select multiple companies in the list.
Buttons
Button
Find
Find/Refresh
Description
Displays a list of corporate customers. If you
•
Enter information in the Code or Name fields, the system
displays only corporate customers in the list that match the
criteria you enter
•
Do not enter information in the Code or Name fields, the system
displays all corporate customers in the list.
Displays a list of ACH companies for the selected corporate
customer. If you
•
Enter information in the ID or Name fields, the system displays
only ACH companies in the list that match the criteria you enter
•
Do not enter information in the ID or Name fields, the system
displays all ACH companies in the list.
Add
Opens the Company Information Data Entry page. Use this page to
add a new ACH company.
Change
Opens the Company Information Data Entry page and displays
information for the selected ACH company. Use this page to change
information for the selected ACH company.
Delete
Opens the Company Information Data Entry page and displays
information for the selected ACH company. Use this page to delete
the selected ACH company.
Display
Opens the ACH Company ID Report page. Use this page to display
detailed information for one or more ACH companies.
Transaction Types
Opens the Transaction Type Permissions page and displays the
assigned and available transaction type codes for the selected ACH
company.
Offset Accts
Opens the Offset Accounts page and displays the assigned and
available offset accounts for the selected ACH company.
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Company Information Add Page
Company Information Add
Use this page to
•
Add an ACH company for the selected corporate customer
•
Set the activation and approval overall limits to be applied to all batches
activated for the selected ACH company, for the same effective entry date
•
Change information for an ACH company for the selected corporate customer
•
Delete an ACH company from the selected corporate customer.
The button you click on the Company Information Selection page controls the
information that displays on the Company Information Data Entry page.
If you click...
The fields on the Company Information Data Entry page...
Add
Display blank, and the Add button displays.
Change
Contain information for the selected ACH company, and the Change
button displays.
Delete
Display information for the selected ACH compan,y and the Delete
button displays.
Fields
Field Name
Cust Code
Company ID
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ACH Company Maintenance
Description
The code for the corporate customer. This field is display only.
The identifier for the ACH company. If you are
•
Adding an ACH company, you must enter an identifier Required.
Enter up to 10 alphanumeric characters.
•
Changing an ACH company, you can change the identifier
•
Deleting an ACH company, this field is display only.
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ACH Company Maintenance
Field Name
Company Name
Future Date
Description
The name for the ACH company. If you are
•
Adding an ACH company, you must enter a name. Required.
Enter up to 16 alphanumeric characters.
•
Changing an ACH company, you can change the name
•
Deleting an ACH company, this field is display only.
A number that controls the number of days in the future that the
user can enter when changing the default effective entry date for all
batches activated for this ACH company.
When a corporate user activates a batch on the Available Batch
Templates page, the system uses the number in this field to limit the
future date the user can enter in the Effective Entry Date field.
Example: The future date for ACH company North Division is 2. On
8/1/ 2004, a corporate user activates a batch for North Division. If
the corporate user changes the default effective entry date, the date
cannot be later than 8/3/2004.
Enter a number from 0 to 365.
The default is the value in the Future Date Default field on the ACH
Settings page.
Approval
A list of approval requirements for the ACH company. When a
corporate user activates a batch, the approval requirements for the
ACH company control whether approval is required to process the
batch. The approval requirement options are
•
N for None - no approval required
•
R for Same User Required - the person who activates the batch
must also approve the batch
•
A for Same User Allowed - the person who activates the batch,
or another person, must approve the batch
•
D for Different User Required - a different person, other than the
person who activated the batch, must approve the batch.
If you are
Company Activation
Limits
•
Adding or changing an ACH company, select an approval
requirement. The default is None.
•
Deleting an ACH company, this field does not display.
The maximum amount of debits plus credits, in all batches with the
same effective entry date, for the ACH company selected, and for all
transaction types.
If you are
•
Adding an ACH company, you must enter activation limits.
Required. Enter up to 13 digits, including the decimal.
•
Changing an ACH company, you can change the limit
•
Deleting an ACH company, this field is display only.
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Field Name
Company Approval
Limits
Description
The total approved amount of debits plus credits, in all batches with
the same effective entry date, for the ACH company selected, and
for all transaction types.
If you are
•
Adding an ACH company, you must enter approval limits.
Required. Enter up to 13 digits, including the decimal.
•
Changing an ACH company, you can change the limit
•
Deleting an ACH company, this field is display only.
Buttons
Button
Description
Add
Saves the new ACH company. This button displays only when you
click Add on the Company Information Selection page.
Change
Saves your changes. This button displays only when you click
Change on the Company Information Selection page.
Clear
Restores the information in all fields to the last-saved values.
Delete
Deletes the ACH company. This button displays only when you click
Delete on the Company Information Selection page.
ACH Company ID Report Page
ACH Company ID Report
Use this page to display detailed information for one or more ACH companies. This page
displays when you select one or more ACH companies and click Display on the
Company Information Selection page.
You cannot change information on this page.
Fields
Field Name
Description
Cust Code
The code for the corporate customer.
Company ID
The identifier for the ACH company.
Company Name
The name for the ACH company.
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ACH Company Maintenance
Field Name
Description
Date Limit
The future date setting for the ACH company. This setting limits how
far in the future the corporate user can set the effective entry date
for a batch.
Approval
The approval requirement for the ACH company.
Last Modified
The customer ID and user ID of the person who last changed the
ACH company. This field also displays the date and time the ACH
company was last changed.
Transaction Types Page
Transaction Types
Use this page to assign transaction type codes to an ACH company. This page displays
when you select an ACH company and click Transaction Types on the Company
Information Selection page.
Available Transaction Type Codes
You can assign one or more of the transaction type codes associated with the leadbank to
an ACH company using the Transaction Type Permissions page.
After you assign transaction type codes to an ACH company, use the Permissions service
to select the ACH companies a corporate user can access. Then, for each permitted ACH
company, select the transaction type codes the corporate user can access. The transaction
type codes you assign to the ACH company on the Transaction Type Permissions page
are the transaction type codes you can assign to the corporate user in the Permissions
service.
For more information about the
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•
Transaction Types service and transaction type codes, see Chapter 3:
Transaction Type Maintenance
•
Permissions service, see Chapter 8: User Permissions.
Fields
Field Name
Available Types
Description
A list of transaction type codes available to the ACH company for
assignment.
To move one or more transaction type codes to the Assigned Types
list, select the transaction type codes and click >.
Use the
Assigned Types
•
Shift key to select a range of transaction type codes in the list
•
Ctrl key to select multiple transaction type codes in the list.
A list of transaction type codes currently assigned to the ACH
company.
To move one or more transaction type codes to the Available Types
list, select the transaction type codes and click <.
Use the
Transaction Type (not
labeled)
•
Shift key to select a range of transaction type codes in the list
•
Ctrl key to select multiple transaction type codes in the list.
The type of transaction for which you are assigning permissions.
To verify you are permitting the appropriate transaction types to the
ACH company. If your system uses both short names and long
names defined using the Transaction Types service, they display on
this page above the Available Types box.
Buttons
Button
Description
>
Moves the selected transaction type codes from the Available Types
list to the Assigned Types list.
<
Moves the selected transaction type codes from the Assigned Types
list to the Available Types list.
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ACH Company Maintenance
Offset Accounts Page
Offset Accounts
Use this page to assign offset accounts to an ACH company. This page displays when
you select an ACH company and click Offset Accts on the Company Information
Selection page.
Available Offset Accounts
You assign offset accounts to the corporate customer on the Corporate Accounts
Permissions page in the e-Commerce Platform product. For more information about
assigning accounts to a corporate customer, see the e-Commerce Platform Reference
Guide.
Note: The ACH product allows the bank to define offset accounts if needed. When
balanced files are not allowed because of bank or customer requirements, no offset
accounts are assigned.
Fields
Field Name
Available Accounts
Description
A list of offset accounts available to the ACH company for
assignment.
To move one or more accounts to the Assigned Accounts list, select
the accounts and click >.
Use the
Assigned Accounts
•
Shift key to select a range of accounts in the list
•
Ctrl key to select multiple accounts in the list.
A list of offset accounts assigned to the ACH company.
To move one or more accounts to the Available Accounts list, select
the accounts and click <.
Use the
•
Shift key to select a range of accounts in the list
•
Ctrl key to select multiple accounts in the list.
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Buttons
Button
Description
>
Moves the selected offset accounts from the Available Accounts list
to the Assigned Accounts list.
<
Moves the selected offset accounts from the Assigned Accounts list
to the Available Accounts list.
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7. ACH Customer File Name
Maintenance
About Customer File Name Maintenance
Use the File Name Maintenance service to add a unique file name that the system uses to
name ACH files. You can define one file name for each corporate customer. Customer
file names are an optional feature in the ACH product. If you choose not to use customer
file names, the system uses the default naming format for ACH files.
Default File Naming Format
Default file names use the [customer code]_[file type]jjjsssss format, where:
•
[customer code] is the code for the corporate customer
•
_ is an underscore
•
[file type] is either A for a normal cutoff file or P for a pass-through file
•
jjj is the Julian date
•
sssss is a unique sequence number
ACH Settings
If you use the File Name Maintenance service to add file names for the ACH product,
you must select Separate Customer Files as the ACH file format on the ACH Settings
page. For more information see the “ACH Settings Page” on page 21.
Service Information
The following information applies to the File Name Maintenance service.
Technology
This is a ColdFusion-enabled service.
Audience
The File Name Maintenance service is available to bank personnel. For a complete list of
all ACH services and the audience for each service, see “ACH Services” on page 10.
Default Service Identifiers
The following default service identifiers are associated with the File Name Maintenance
service and reflect the initially-installed values:
•
Service Name: File Name Maintenance
The service name is the name that the system uses to describe a service.
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•
Tab Text: Customer Filename
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHFileNames
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs. See “Menu
Interfaces” on page 17.
Customer Filename Pages
The Customer Filename service contains the following pages:
•
Customer Selection Page
•
File Name Parameters Page
•
File Name Report Page
Customer Selection Page
Customer Selection
Use this page to add and manage customer file names.
Fields
Field Name
Description
Customers section
(not labeled)
Code
The code for the corporate customer. Enter all or part of the code
and click Find/Refresh to list all corporate customers who match
the search criteria.
Optional. Enter up to 12 alphanumeric characters.
Name
The name for the corporate customer. Enter all or part of the name
and click Find/Refresh to list all corporate customers that match
the search criteria.
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ACH Customer File Name Maintenance
Field Name
Customers (not labeled)
Description
A list of corporate customers for the leadbank. To add or change a
customer file name, select one corporate customer in the list and
click Process.
To display the File Name report, select one or more corporate
customers in the list and click Display. Use the
•
Shift key to select a range of corporate customers in the list
•
Ctrl key to select multiple corporate customers in the list.
Buttons
Button
Find/Refresh
Description
Displays a list of corporate customers. If you
•
Enter information in the Code and Name fields, the system
displays only corporate customers in the list that match the
search criteria
•
Do not enter information in the Code and Name fields, the
system displays all corporate customers in the list.
Process
Opens the File Name Parameters page and displays file name
information for the selected corporate customer. Use this page to
add, change, or delete the file name for a corporate customer.
Display
Opens the File Name Report page and displays the current file name
information for the selected corporate customers.
File Name Parameters Page
File Name Parameters
Use this page to add, change, or delete the file name for a corporate customer. This page
displays when you select a corporate customer and click Process on the Customer
Selection page.
Fields
Field Name
File Name
Description
The file name for the corporate customer.
Optional. Enter a file name of up to 17 alphanumeric characters.
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Field Name
If Exists
Description
An option that indicates whether you want the system to delete the
selected customer file name. When you delete the file name for a
corporate customer, the system uses the default file naming format
to name the customer’s ACH files. See “Default File Naming Format”
on page 65.
Select the check box and click Submit Changes to delete the
customer file name.
Delete
An option that indicates whether you want the system to delete the
selected customer file name. When you delete the file name for a
corporate customer, the system uses the default file naming format
to name the customer’s ACH files. See “Default File Naming Format”
on page 65.
Select the check box and click Submit Changes to delete the
customer file name.
Buttons
Button
Description
Submit Changes
Saves the new or changed information.
Clear
Restores the information in all fields to the last-saved values.
File Name Report Page
File Name Report
Use this page to display file name information for one or more corporate customers. This
page displays when you click Display on the Customer Selection page. You cannot
change information on this page.
Fields
Field Name
Customer
Description
The code and name for the corporate customer.
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Field Name
Description
File Name
The file name for the corporate customer. Use Default displays in
this field if a file name is not assigned to the corporate customer.
If Exists
The selected method for handling duplicate file names.
Last Modified
The customer code and user ID of the person who last changed the
file name information. This field also displays the date and time the
file name information was last changed.
Buttons
Button
Description
Submit Changes
Saves the new or changed information.
Clear
Restores the information in all fields to the last-saved values.
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8. ACH User Permissions
About User Permissions
Use the User Permissions service to add and manage the permissions for the corporate
personnel who use the ACH product. These settings control the
•
ACH companies that a corporate customer can access
•
Transaction type codes that a corporate customer can access for each ACH
company
•
Limits for each transaction type code.
Bank personnel can set the ACH permissions for corporate administrators. Then,
corporate administrators can set the ACH permissions for each corporate user.
Service Information
The following information applies to the User Permissions Maintenance service.
Availability
If your system uses market segmentation, the User Permissions service is not available.
You must use the Customer Administration service in the e-Commerce Platform product
to add and manage the permissions for corporate personnel.
See Also
•
“Market Segmentation” on page 5
•
e-Commerce Platform Customer Administration Reference Guide.
Technology
This is a ColdFusion-enabled service.
Audience
The User Permissions service is available to bank personnel. For a complete list of all
ACH services and the audience for each service, see “ACH Services” on page 10.
Default Service Identifiers
The following default service identifiers are associated with the File Name Maintenance
service and reflect the initially-installed values:
•
Service Name: ACH User Permissions
The service name is the name that the system uses to describe a service.
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•
Tab Text: Permissions
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHUserPerm
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs. See “Menu
Interfaces” on page 17.
User Permissions Pages
The Permissions service contains the following pages:
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•
Permissions Selection page, which you use to permit corporate customers to
one or more ACH companies.
•
ACH Customer Settings page, which you use to set the
•
Corporate customer (user) level approval requirements for ACH pass-thru files
•
Activation and approval limits at the corporate customer-level or ACH
company-level
•
Customer-level overall limits.
•
User Overall Limits page, which you use to set overall limits for corporate
users associated with the selected corporate customer. This page is available to
bank personnel and corporate administrators.
•
ACH User Settings page, which set the type of imports that ACH users can
process
•
Transaction Type Permissions page, which you use to permit transaction type
codes to the selected corporate user.
•
Authorization Limits page, which you use to set the batch maintenance,
activation, and approval limits for the selected corporate user’s transaction type
codes.
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ACH User Permissions
Permissions Selection Page
User Permissions Selection
Company Permissions Selection
Bank personnel use the Permissions Selection page to permit corporate customers to one
or more ACH companies. Bank personnel and corporate administrators use the Company
Permissions Selection section to permit corporate users associated with the selected
corporate customer to one or more ACH companies.
Fields
Field Name
Description
Customers section
(not labeled)
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Field Name
Code
Description
The code for the corporate customer. Enter all or part of the code
and click Find to list all corporate customers that match the search
criteria.
Note: This field displays only when bank personnel access this page.
Optional. Enter up to 12 alphanumeric characters.
Name
The name for the corporate customer. Enter all or part of the name
and click Find to list all corporate customers that match the search
criteria.
Note: This field displays only when bank personnel access this page.
Optional. Enter up to 40 alphanumeric characters.
Customers (not labeled)
The name for the corporate customer. Enter all or part of the name
and click Find to list all corporate customers that match the search
criteria.
Note: This field displays only when bank personnel access this page.
Optional. Enter up to 40 alphanumeric characters.
Users section (not
labeled)
Users (not labeled)
A list of users associated with the corporate customer. Select a user
from the list to display lists of available and assigned ACH
companies for the user in the ACH Company Permissions section.
Template Approval
Options section
Template Approval
Options
A list of options for approval of ACH templates. Select an option
from the list. Options are:
•
None
•
Same User Allowed
•
Same User Required
•
Different User Required
ACH Company
Permissions section
(not labeled)
Available Companies
A list of ACH companies available to the selected user for
assignment. These are the ACH companies the user is not permitted
to access for ACH activity.
To move one or more ACH companies to the Assigned Companies
list, select the companies and click >.
Use the
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•
Shift key to select a range of ACH companies
•
Ctrl key to select multiple ACH companies in the list.
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ACH User Permissions
Field Name
Assigned Companies
Description
A list of ACH companies currently assigned to the selected user.
These are the ACH companies the user is permitted to access for
ACH activity.
To move one or more ACH companies to the Available Companies
list, select the companies and click <.
Use the
•
Shift key to select a range of ACH companies
•
Ctrl key to select multiple ACH companies in the list.
Buttons
Button
Find
Description
Displays a list of corporate customers for the leadbank. If you
•
Enter information in the Code and Name fields, the system
displays only corporate customers in the list that match the
search criteria
•
Do not enter information in the Code and Name fields, the
system displays all corporate customers in the list.
Submit
Saves your template approval options to the database.
Cancel
Cancels your template approval options without saving them to the
database.
User Overall Limits
Displays the ACH User Overall Limits page
Transaction Types
Opens the Transaction Type Permissions page and displays the
selected user’s transaction type code permissions for the ACH
company.
>
Moves the selected ACH companies from the Available Companies
list to the Assigned Companies list.
<
Moves the selected ACH companies from the Assigned Companies
list to the Available Companies list.
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ACH Customer Settings Page
Customer Settings Page
Use this page to set
•
Corporate customer (user) level approval requirements for ACH pass-thru files
•
Activation and approval limits at the corporate customer-level or ACH
company-level
•
Customer-level overall limits.
These settings limit the total amount of debits and credits that affect customer accounts
for a specific effective entry date, regardless of transaction type. For corporate users
(customers), this sum cannot exceed the Customer Overall Limits, regardless of the
transaction types or ACH companies included. All debits and credits activated and
approved for corporate users within the same corporate customer code, for the same
EED, cannot exceed the limits set using this page.
The system checks the customer and corporate user overall activation limits as each batch
is activated to determine if they have exceeded the limit for that EED. Similarly, the
system checks the customer and corporate user overall approval limits as each batch is
approved.
Batch activation and batch approval services check corporate user limits per transaction
type within a customer for the EED, for individual entry amounts and total batch
amounts. The system also checks the total batch amount against the customer overall
limit for the EED and the corporate user overall limit for the EED.
Overall limits must be set in the ACH User Permissions service for corporate
administrators and corporate users. User limits set in the ACH Company Maintenance
and Transaction Type Maintenance services have no dependency on these overall limits.
If the overall limits are set lower than the existing user limits by transaction type, no error
messages are displayed. Similarly, you can set user overall limits lower or higher than the
customer overall limits without the system displaying error messages.
This page displays when you click Customer ACH Settings - Bank Only on the
Permissions Selection page. You must set the user overall limits lower than the customer
overall limits.
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Fields
Field Name
Customer Group Header
(not labeled)
Description
The customer group code and customer name selected on the
Permissions - User Selection page for which you want to manage
limits.
This field is display only.
Set Customer Level
Approval
Requirements for
ACH Pass-Thru Files
Section
Customer Level
Approval Requirements
for Pass-Thru Files
The level of approval used if approval is required for pass-thru files.
This field displays if the setting Require Approval for Pass-Thru Files
on the ACH Settings page is set to Yes.
Select the level of approval for pass-thru files:
•
None
•
Same User Allowed
•
Same User Required
•
Different User Required
Set Customer Level
Limits for ACH
section
Apply Limits To
The level for which you want to set limits. To set ACH customer
overall limits, select one of the following:
•
Customer Level to apply limits at the customer level
•
ACH Company Level to apply limits at the ACH company level.
Customer Level Overall
Limits - Batch
Activation
$ Limit/Batch
The total activated amount of debits plus credits, in all batches with
the same effective entry date, for all users, for all companies and all
transaction types.
Customer Level Overall
Limits - Batch Approval
$ Limit/Batch
The total approved amount of debits plus credits, in all batches with
the same effective entry date, for all users, for all companies and all
transaction types.
Enter a maximum of 13 digits (including the decimal point) to
indicate the maximum limit for all users and transaction types
combined during batch activation.
Enter a maximum of 13 digits (including the decimal point) to
indicate the maximum limit for all users and transaction types
combined during batch approval.
Buttons
Button
Submit
Description
Clears the page of entries.
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Button
Clear
Description
Results in saving the values entered and displaying a confirmation
message.
User Overall Limits Page
ACH User Overall Limits
Bank personnel and corporate administrators use this page to set the overall activation
limit to be applied to all batches activated by the selected user, for the same effective
entry date. The overall approval limits are applied to all batches approved for the same
EED. These settings limit the total amount of debits and credits that affect customer
accounts for a specific day, regardless of transaction type.
The system checks the customer and corporate user overall activation limits as each batch
is activated to determine if they have exceeded the overall activation limits for that EED.
Similarly, the system checks the customer and corporate user overall approval limits as
each batch is approved.
Batch activation and batch approval services check corporate user limits per transaction
type within a customer for the EED, for individual entry amounts, and total batch
amounts. The system also checks the total batch amount against the corporate user overall
limit for the EED and the customer overall limit for the EED. This page displays when
you click User Overall Limits on the Permissions Selection page.
You should set the user overall limits equal to or lower than the customer overall limits.
Fields
Field Name
Customer and User
Group Header (not
labeled)
Description
The customer group code, customer name, user code, and user
name selected on the Permissions - User Selection page for which
you want to manage limits.
This field is display only.
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Field Name
Description
Limit for All Companies
and Transaction Types
Combined for Batch
Activation
$ Limit/Batch
The total activated amount of debits plus credits, in all batches with
the same effective entry date, for the user selected for all companies
and transaction types.
Limit for All Users and
Transaction Types
Combined for Batch
Approval
$ Limit/Batch
The total approval amount of debits plus credits, in all batches with
the same effective entry date, for all users, for all companies and
transaction types.
Maximum Limit
for Batch Activation
The maximum limit for batch activation.
Maximum Limit
for Batch Approval
The maximum limit for batch approval.
Customer Overall Limit
- Batch Activation
The maximum limit for batch activation for the customer.
Enter a maximum of 13 digits (including the decimal point) to
indicate the maximum limit for the user selected and all transaction
types combined during batch activation.
Enter a maximum of 13 digits (including the decimal point) to
indicate the maximum limit for the user selected and all transaction
types combined during batch approval.
This field is display only.
This field is display only.
Enter a maximum 13 digits (including the decimal point) to indicate
the maximum limit for the customer selected and all transaction
types combined during batch activation.
This field displays only when the setting in the Apply Limits To field
on the Customer Overall Limits page is Customer Level for the
selected customer.
Bank personnel set the customer overall limit for batch activation.
User overall limits cannot exceed customer overall limits.
Customer Overall Limit
-Batch Approval
The maximum limit for batch approval for the customer.
Enter a maximum 13 digits (including the decimal point) to indicate
the maximum limit for the customer selected and all transaction
types combined during batch approval.
This field displays only when the setting in the Apply Limits To field
on the Customer Overall Limits page is Customer Level for the
selected customer.
Bank personnel set the customer overall limit for batch approval.
User overall limits cannot exceed customer overall limits.
Buttons
Button
Description
Submit
Results in saving the values entered and displaying a confirmation
message.
Clear
Clears the page of entries.
Cancel
Closes the User Overall Limits page and returns you to the Company
Permissions Selection page.
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ACH User Settings
ACH User Settings
Bank personnel and corporate administrators use this page to set the type of imports that
ACH users can process. This page displays when you click ACH User Settings on the
Permissions Selection page.
Field
There is one field on this page, Import Type, and the options are:
•
Repetitive Only
•
Non-Repetitive Only
•
Non-Repetitive and Repetitive (Both)
Buttons
Button
Description
Submit
Results in saving the values entered and displaying a confirmation
message.
Cancel
Closes the ACH User Settings page and returns you to the
Permissions Selection page.
Transaction Type Permissions Page
Transaction Type Permissions
Use this page to permit the selected user to one or more transaction type codes for the
ACH company. You can also use this page to access the Transaction Type Authorization
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ACH User Permissions
Limits page, which you use to set the batch maintenance, activation, and approval limits
for each permitted transaction type code.
This page displays when you click Transaction Types on the Permissions Selection
page.
Fields
Field Name
Available Transaction
Types
Description
A list of short names and descriptive long names for the transaction
types available to the selected user and ACH company for
assignment.
To move one or more transaction type codes to the Assigned
Transaction Types list, select the code and click >.
Use the
Assigned Transaction
Types
•
Shift key to select a range of codes in the list
•
Ctrl key to select multiple codes in the list.
A list of short names and descriptive long names for the transaction
types currently assigned to the selected user and ACH company.
To move one or more transaction type codes to the Available
Transaction Types list, select the code and click <.
Use the
•
Shift key to select a range of codes in the list
•
Ctrl key to select multiple codes in the list.
Buttons
Button
Authorization Limits
Description
Opens the Transaction Type Authorization Limits page and displays
limit information for one or more transaction type codes.
>
Moves the selected transaction type codes from the Available
Transaction Types list to the Assigned Transaction Types list.
<
Moves the selected transaction type codes from the Assigned
Transaction Types list to the Available Transaction Types list.
Choose Company ID
Opens the Permissions Selection page. This page allows you to
•
Select a different ACH company and permit the selected user to
transaction type codes
•
Add or remove the selected user’s permissions to ACH
companies
•
Select a different user
•
Select a different corporate customer (available to bank
personnel only).
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Authorization Limits Page
Authorization Limits
Use this page to set the batch maintenance, activation, and approval limits for the selected
corporate user’s transaction type codes.
ACH Limits
For each transaction type code, you must specify the maximum amount the user can
•
Manage (add, change, or delete) for a single entry in a batch and for the entire
batch
•
Activate for a single entry in a batch and for all batches per day
•
Approve for a single entry in a batch and for all batches per day.
This page displays when you click Authorization Limits on the Transaction Type
Permissions page.
Limits
Carefully consider the following information when you set the transaction type code
limits for corporate administrators (administrators) and corporate users (users), or when
you set your own limits.
ACH Limit Types
For the ACH product, there are three types of limits for each transaction type code. Each
limit type contains an item (entry) limit and a batch limit. These limits work differently
depending on the limit type.
•
Maintenance - The maintenance item limit and batch limit control the
maximum amount a user can add, change, or delete for
−
An item (entry) within a batch
−
A batch.
The maintenance limits control user limits when they use the Batches service and the
Participants service. For more information, see the ACH User Guide.
•
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Activation - The activation item and batch limits control the maximum amount
a user can activate for
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ACH User Permissions
−
An item (entry) within a batch
−
All batches per day (cumulative limit).
The activation limits control user limits when they use the ACH Batch Activation service.
For more information, see the ACH User Guide and online help.
•
Approval - The approval item and batch limits control the maximum amount a
user can approve for
−
An item (entry) within a batch
−
All batches per day (cumulative limit).
The approval limits control user limits when they use the ACH Batch Approval service.
Cumulative Limits
The activation batch limit and the approval batch limit are cumulative, daily limits. When
a user activates or approves a batch, the system
•
Verifies that the batch amount (total amount for all entries within the batch)
does not exceed the user batch limit for the transaction type code
•
Adds the batch amount to the user accumulated activation or approval total to
verify that the batch amount does not exceed the daily batch limit
•
Increases the user accumulated activation or approval total by the batch
amount.
When the user accumulated total reaches the batch limit, the user receives an error
message and cannot activate or approve any additional batches until the next day. The
system clears users' accumulated totals at the end of the day, when the system date
changes.
Limit Fields
There are two fields for each limit type on the Transaction Type Authorization Limits
page:
•
Current Limit - This field contains the current limit in effect for the user,
displays above the User Limit Maximum field, and is an enterable field.
•
User Limit Maximum - This field displays the maximum limit currently
available to the user, displays below the Current Limit field, and is display
only.
These fields usually contain the same amount. However, these fields can contain different
amounts when the limit is changed.
Changing Limits
When bank personnel change transaction type code limits for an administrator or a user,
the new limit is not always immediately available. When bank personnel
•
Decrease a limit, the system displays the new limit in the Current Limit and
User Limit Maximum fields. The new limit is immediately in effect.
•
Increase a limit, the system displays the new limit in the User Limit Maximum
field but does not change the limit in the Current Limit field. The corporate
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administrator must access the Transaction Type Authorization Limits page and
increase the limit.
When a corporate administrator changes the transaction type code limits for a user, the
changes are immediately available in the Current Limit and User Limit Maximum fields.
Fields
Field Name
Description
Header section (not
labeled)
ACH Company (not
labeled)
The name for the ACH company. This field is display only.
User ID (not labeled)
The identifier for the user. This field is display only.
Transaction Type
section
Customer Overall Limit
The maximum limit for batch maintenance, activation, and approval
for the customer.
Enter a maximum 13 digits (including the decimal point) to indicate
the maximum amount for batch maintenance, activation, and
approval for the customer selected and all transaction types.
This field displays only when the setting in the Apply Limits To field
on the Customer Overall Limits page is Customer Level for the
selected customer.
Bank personnel set the customer overall limit for batch
maintenance, activation, and approval. User overall limits cannot
exceed customer overall limits.
Company Overall Limit
The maximum limit for batch maintenance, activation, and approval
for the ACH company.
Enter a maximum 13 digits (including the decimal point) to indicate
the maximum amount for batch maintenance, activation, and
approval for the company selected and all transaction types.
This field displays only when the setting in the Apply Limits To field
on the Customer Overall Limits page is Company Level for the
selected customer.
Bank personnel set the customer overall limit for batch
maintenance, activation, and approval. Individual transaction type
limits cannot exceed company overall limits.
Transaction Type
A list of short names and descriptive long names for transaction
types for the selected user and ACH company.
This field is display only.
Use the Transaction Type Permissions page to select additional
transaction type codes for the user. See also “Transaction Type
Permissions Page” on page 80.
Batch Maintenance
section
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ACH User Permissions
Field Name
$ Limit/Item
Description
The current item limit for batch maintenance. The field on top
displays the current limit and the field on the bottom displays the
limit maximum for the user. See “Limit Fields” on page 83.
Enter the current item limit. The Limit Maximum field displays the
maximum amount you can enter in this field.
$ Limit/Batch
The current batch limit for batch maintenance. The field on top
displays the current limit and the field on the bottom displays the
limit maximum for the user. See “Limit Fields” on page 83.
Enter the current batch limit. The Limit Maximum field displays the
maximum amount you can enter in this field.
Batch Activation
section
$ Limit/Item
The current item limit for activation. The field on top displays the
current limit and the field on the bottom displays the limit maximum
for the user. See “Limit Fields” on page 83.
Enter the current item limit. The Limit Maximum field displays the
maximum amount you can enter in this field.
$ Limit/Batch
The current daily batch limit for activation. The field on top displays
the current limit and the field on the bottom displays the limit
maximum for the user. See “Limit Fields” on page 83.
Enter the current batch limit. The Limit Maximum field displays the
maximum amount you can enter in this field.
Batch Approval
section
$ Limit/Item
The current item limit for activation. The field on top displays the
current limit and the field on the bottom displays the limit maximum
for the user. See “Limit Fields” on page 83.
Enter the current item limit. The Limit Maximum field displays the
maximum amount you can enter in this field.
$ Limit/Batch
The current daily batch limit for approval. The field on top displays
the current limit and the field on the bottom displays the limit
maximum for the user. See “Limit Fields” on page 83.
Enter the current batch limit. The Limit Maximum field displays the
maximum amount you can enter in this field.
Buttons
Button
Description
Submit
Saves your changes.
Reset
Restores the information in all fields to the last-saved values.
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Button
Choose Company ID
86
ACH User Permissions
Description
Opens the Permissions Selection page. This page allows you to
•
Select a different ACH company and permit the selected user to
transaction type codes
•
Add or remove the selected user’s permissions to ACH
companies
•
Select a different user
•
Select a different corporate customer (available to bank
personnel only).
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9. ACH Map Definition
About Map Definition
Use the ACH Map Definition service to define the ACH maps you want the system to use
when you import files into the ACH product. An ACH import map is a set of instructions
that defines the format of the import file and how the import file functions. When you
import a file into the ACH product, you must select the associated map.
ACH Import Map Formats
The ACH product supports the following ACH import map formats:
•
Standard NACHA Formats
•
Delimited Format
•
Fixed Format
Standard NACHA Formats
Two standard NACHA maps are delivered with the ACH product:
•
Standard NACHA map
•
NACHA-Zero map with zeroes in all amount fields
Import files that use these maps must be in NACHA format and must contain the record
formats that the ACH product supports. For more information about these file formats,
see Appendix B: ACH File Formats.
When you import a standard NACHA file, the system uses the information from the
following
records to build batch templates:
•
Batch header (5 record)
•
Entry detail (6 record)
•
Addenda (7 record)
The system ignores all other records in the standard NACHA import file.
Note: You cannot use the ACH Map Definition service to add, change, delete, or display
information for the delivered standard NACHA import maps.
Delimited Format
The fields in each record of the import file are separated by a delimiter, such as a comma
or semi-colon. A delimited map instructs the system how to map the fields in an import
file to add, change, or delete entries in a single batch template. The person who builds the
delimited file determines the order of the fields in each record and the delimiter to use.
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Example: The following fields are used in a comma-separated payroll file with the end of
each
record indicated by a new line (carriage return line feed):
1. ID Number: 585-66-9898
2. Name: John Doe
3. Account Number: 898565232
4. Amount: $2,388.62
5. ABA Number: 104000045
6. Transaction Type: 22 for live credit and 32 for credit prenote
5-66-9898, John Doe, 898565232, 238862, 104000045, 22
Note: You must use the Batch Maintenance service to add the template before you import
a delimited file using that template. For more information about adding batch templates
see the ACH User Guide.
Fixed Format
The fields in each record of a fixed format import file always start in the same position
and are the same length. The person who builds the fixed file determines the position of
each field on each record.
Example: The following fields are used in a fixed format payroll file with a record length
of 61 characters, taking into consideration the carriage return line feed at the end of each
line:
1. ID Number always starts in position 1 and is always 11 characters
2. Name starts in position 13 and is 12 characters
3. Account Number starts in position 27 and is 11 characters
4. Amount starts in position 41 and is 9 characters
5. ABA Number starts in position 48 and is 9 characters
6. Transaction Type starts in position 58 and is 2 characters
585-66-9898 John Doe 898565232 238862 104000045 22
Note: You must use the Batch Maintenance service to add the template before you import
a fixed file. For more information about adding batch templates see the ACH User Guide.
New in Import Map Definition
This release of the ACH product includes
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•
Modifications to page titles, explanation phrases, messages, icons, and buttons
for consistency and clarity
•
Ability for banks to create import maps for specific customers
•
Ability to match on the Transaction Code field
•
Ability to have duplicate participants in a single batch.
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ACH Map Definition
Service Information
The following information applies to the Map Definition service.
Technology
This is a ColdFusion-enabled service.
Audience
The Map Definition service is available to bank personnel and corporate personnel. For a
complete list of all ACH services and the audience for each service, “ACH Services” on
page 10.
Default Service Identifiers
The following default service identifiers are associated with the Map Definition service
and reflect the initially-installed values:
•
Service Name: ACH Map Definition
The service name is the name that the system uses to describe a service.
•
Tab Text: ACH Map Definition
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHMapDef
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-menu interface only)
The service group is the group to which the service belongs. See “Menu
Interfaces” on page 17.
Map Definition Pages
The Map Definition service contains the following pages:
•
Import Maps Page
•
Add a Map (Delimited) Page
•
Add a Map (Fixed) Page
•
Edit Map Page
•
Delete Map Page
•
Map Detail Page
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Import Maps Page
Import Maps
Corporate administrators and bank personnel use this page to add and manage import
map files. The map selection list displays existing maps for the associated customer code.
From this page you can
Use filter options for map code, name, and format to specify the maps you want to work
with
•
Display a list of all available maps
•
Edit a delimited or fixed map
•
Delete a delimited or fixed map
•
Display detailed information for a delimited or fixed map.
Note: You cannot add, change, delete, or display information for the delivered standard
NACHA maps.
Duplicate Transactions
The system allows you to import duplicate transactions in the same ACH batch. For each
transaction entry with the same participant ID in an ACH file, the system adds an entry
for each occurrence. If an ACH file contains duplicate transactions, and you are updating
entries for an existing batch, we suggest you use multiple matching criteria to ensure you
are updating the correct entry.
For example, in a payroll import file, you can create a map that matches on the
Participant ID and the Transaction Code. This way, the import file can contain a
transaction entry for a participant to credit his checking account and a separate
transaction entry to credit his savings account.
Rules
For partial files, the import process allows you to have duplicate transactions according to
the following rules:
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•
Matching is based on the fields selected in the Match column of the import
map used.
•
Only the update process is allowed; add and delete processes are not allowed.
•
All matching records in the database are updated.
For non-partial files, the import process allows you to have duplicate transactions
according to the following rules:
•
Add, update and delete processes are allowed.
•
Matching for the update and delete processes are based on several fields
including the Customer Code, Company ID, Batch Code and Participant ID.
•
For the update process, all matching records in the database are updated.
•
Only the first record found in the database is updated with the matching record
in the imported file.
•
After all records from the import file are updated in the database, where
possible, any remaining import records are flagged with an error message
saying that no record was found to update in the database.
•
All unmatched records in the database are deleted. The delete process takes
place before the update process when the process mode is Update and Delete.
Fields
Field Name
Description
Search for maps
section (not labeled)
Filter by Map Code
The map code associated with the display of import maps. Enter a
maximum of 12-alphanumeric characters for the map code
associated with the import maps you want to display. The system
filters the displayed map list by the first character of the map code.
Filter by Map Name
The map name associated with the display of import maps. Enter a
maximum of 40-alphanumeric characters for the map name
associated with the import maps you want to display. The system
filters the displayed map list by the first character of the map name.
Filter by Map Format
A list of import map formats. Select the import map format from the
list to display maps of that format only. Options are:
•
All to display all map formats in the list
•
Delimited to display only delimited map formats in the list
•
Fixed to display only fixed map formats in the list
•
Standard to display the two NACHA maps delivered with the ACH
product.
Results section
Customer and Customer
Name
Unique identifier and name for the customer associated with an
import map. This field is display only.
Code/Map
Alphanumeric identifier for an import map defined using the Add a
Map page. This field is display only.
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Field Name
Description
Name
Alphanumeric name for an import map defined using the Add a Map
page. This field is display only.
Format
Import map format associated with this map. This field is display
only. Options are:
Import Type
•
Delimited - Add and Update and Delete
•
Fixed - Add and Update and Delete
•
Standard - Add Only
The type of import for the map This field is display only. Options
are:
•
Repetitive Only
•
Non-Repetitive Only
•
Non-Repetitive and Repetitive (Both)
Buttons
Button
Description
Search
Displays in the Results section import maps that meet your criteria
Add a Delimited Map
Displays the Add a Map page for you to define a delimited format
import map
Add a Fixed Map
Displays the Add a Map page for you to define a fixed format import
map
Details
Displays in the Results section import maps that meet your criteria
Edit
Displays the Edit Map page with information for the import map
selected. This button does not display for the standard maps
released with the ACH product.
Delete
Displays the Delete Map page with display-only fields for you to
confirm before you delete. This button does not display for the
standard maps released with the ACH product.
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Add a Map (Delimited) Page
Add a Map (Delimited)
Use this page to
•
Define the positions of the fields for an import map you are adding or changing
•
Select the criteria for importing files into a batch using this type of map.
When you select this service, the system displays all existing import maps for your
customer code. Because you can match on the Transaction Code and permit duplicate
transactions, you can create maps that allow the same Participant ID with multiple
account types.
Duplicate Transactions
The system allows you to import duplicate transactions in the same ACH batch. For each
transaction entry with the same participant ID in an ACH file, the system adds an entry
for each occurrence. If an ACH file contains duplicate transactions, and you are updating
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entries for an existing batch, we suggest you use multiple matching criteria to ensure you
are updating the correct entry.
For example, in a payroll import file, you can create a map that matches on the
Participant ID and the Transaction Code. This way, the import file can contain a
transaction entry for a participant to credit his checking account and a separate
transaction entry to credit his savings account.
Rules
For partial files, the import process allows you to have duplicate transactions according to
the following rules:
•
Matching is based on the fields selected in the Match column of the import
map used.
•
Only the update process is allowed; add and delete processes are not allowed.
•
All matching records in the database are updated.
For non-partial files, the import process allows you to have duplicate transactions
according to the following rules:
•
Add, update and delete processes are allowed.
•
Matching for the update and delete processes are based on several fields
including the Customer Code, Company ID, Batch Code and Participant ID.
•
For the update process, all matching records in the database are updated.
•
Only the first record found in the database is updated with the matching record
in the imported file.
•
After all records from the import file are updated in the database, where
possible, any remaining import records are flagged with an error message
saying that no record was found to update in the database.
•
All unmatched records in the database are deleted. The delete process takes
place before the update process when the process mode is Update and Delete.
Fields
Field Name
Description
Import File Map
Definition Delimited
File Map section
Map Code
Unique identifier for the delimited format import map file. Enter a
unique maximum 12-alphanumeric character map code.
Skip First Header
Record
Option that indicates whether you want the system to skip and
ignore the first header record on import files that use this map.
Select this option if the import file contains header information in
the first record.
Map Name
Unique name for the delimited format import map file. Enter a
unique maximum 40-alphanumeric character map name.
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Field Name
Description
Strip Quotes (") around
fields
Option that indicates whether you want the system to remove the
quotation marks around fields in import files that use this map.
Select this option if the fields in import files are surrounded by
quotation marks.
Map Type
Initially displays System will assign. After import map is saved, the
system assigns the map type This field is display only.
Load Zero to Amount
Fields
Option that indicates whether you want the system to change the
amount for all batch entries to zero when you import a file that uses
this map. Select this option if you want the system to add the batch
entry amounts as zero (0). The system does not change amounts to
zero for any batch entries the import file does not update.
Import Type
Indicates the type of delimited format import map file. Options are:
Delimiter
•
Repetitive Only
•
Non-Repetitive Only
•
Non-Repetitive and Repetitive (Both)
List of symbols you can use as the delimiter or separator for
delimited format maps. Select one of the following options from the
list:
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Delete Unmatched
Batch Template Records
Option that indicates whether you want the system to delete batch
entries that are not updated when you import a file that uses this
map. Select this option if you want the system to delete batch
entries that are not updated when you import a file that uses this
map.
End of Record ID
A list of symbols you can use as the end-of-record identifier for
delimited format maps that designates where one transaction entry
ends and another begins. Select one of the following options from
the list:
•
Allow Partial File Import
New Line (each record on a separate line)
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Option that indicates whether the file being imported must contain
all required fields to add new participants. When selected, you may
define only those fields contained in the file being imported. Select
this option if you want the system to allow adding participants when
the file being imported does not contain all required fields.
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Field Name
Description
Fields to Add, Match
or Update section
Field Name
List of fields that indicate the location of field values for each record
in the import file. The map format controls how you enter
information in this field. For delimited maps, enter the 2-digit
sequence number for the field on the record (indicates the order of
the field on the record: 1, 2, 3). Fields, their data types, and their
length limits are:
•
Transaction Code - 2 numeric
•
ABA Number - 9 numeric
•
Account Number - 17 alphanumeric
•
Amount - 10 numeric. The system removes monetary symbols
and commas from amounts when you import the file.
•
ID Number or Serial Number - 15 alphanumeric
•
Name - 22 alphanumeric
•
Disc/Payment Type - 2 alphanumeric
•
Addenda Data - 80 alphanumeric
•
Receiver's Acct. Number - 25 alphanumeric
•
Receiver's Bank ID - 11 alphanumeric
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
Transaction Code
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
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•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
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ACH Map Definition
Field Name
ABA Number
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
Account Number
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
The account number for the participant at the financial institution.
Maximum 17 alphanumeric characters:
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value.
Note: Use the Receiver’s Account Number field instead of this field if
the transaction type code for the batch template is one of the
following codes:
Amount
•
CBR+CO
•
CBR+DO
•
PBR+CO
•
PBR+DO
Monetary amount for the batch entry. If you select the Load Zero to
Amount Fields option, do not enter field position information or a
replacement value for the amount.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
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Field Name
ID Number
Name
Disc/Payment Type
Description
Identifier for the participant, which is the person or organization
receiving the batch entry, or for RCK transactions, the serial number
of the check.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
Name for the participant, which is the person or organization
receiving the batch entry. Maximum 22 alphanumeric characters
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Indicates either discretionary data or the payment type.
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Note: The transaction type code associated with the batch template
controls whether the system uses the information in this field as
discretionary data or a payment type. If the transaction type code
is WEB+DO, the system uses the information in this field as the
payment type. All other transaction type codes use this information
as discretionary data.
•
Discretionary Data - Additional information that further defines
the batch entry
•
Payment Type - Type of payment for the batch entry. The value
in this field must be
R - recurring payment
S - single, one-time payment.
Addenda Data
Additional information for the batch entry, such as state or local tax
information. Enter a maximum of 80 alphanumeric characters for
additional information for the batch entry, such as state or local tax
information.
•
Update - update this field once matched
•
Position - field position in import file
Note: The transaction type code associated with the batch template
controls whether the batch entry can contain addenda information.
Rules: If you include addenda information in an import file, you
must
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•
Begin and end the information with quotation marks (“)
•
Select the Strip Quotes around Fields option for the associated
map.
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ACH Map Definition
Field Name
Position
Description
A list of fields that indicate the location of values in each record of
the import file. The map format controls the information you enter in
this field. For
•
Delimited maps, enter the 2-digit sequence number for the field
in the record (indicates the order of the field in the record: 1, 2,
3)
•
Fixed maps, enter the 2-digit starting position for the field in the
record and the 2-digit field length.
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc./Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
Delimited Format
The fields in each record of the import file are separated by a delimiter, such as a comma
or semi-colon. A delimited map instructs the system how to map the fields in an import
file to add, change, or delete entries in a single batch template. The person who builds the
delimited file determines the order of the fields in each record and the delimiter to use.
Example: The following fields are used in a comma-separated payroll file with the end of
each record indicated by a new line (carriage return line feed):
1. ID Number: 585-66-9898
2. Name: John Doe
3. Account Number: 898565232
4. Amount: $2,388.62
5. ABA Number: 104000045
6. Transaction Type: 22 for live credit and 32 for credit prenote
585-66-9898, John Doe, 898565232, 238862, 104000045, 22
Note: You must use the Batch Maintenance service to add the template before you import
a delimited file using that template. For more information about adding batch templates
see the ACH User Guide.
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ACH Map Type
When you add a delimited or fixed ACH import map, the Map Type field initially
displays the text System will assign. After you click Add Map, the system uses the
information you entered to determine the map type. The map types are:
•
Add Only - Import files using this map type add batch templates to the ACH
product. The system assigns this map type if you do not select any of the check
boxes labeled Update complete the first six Position fields or Replacement
Value fields.
•
Add and Update - Import files using this map type add batch templates to the
ACH product and update existing batch templates. The system assigns this map
type if you
•
•
−
Select at least one of the check boxes labeled Update
−
Complete the first six Position fields or Replacement Value fields.
Update Only - Import files using this map type update existing batch templates
in the ACH product. The system assigns this map type if you
−
Select at least one of the check boxes in the column labeled Update
−
Complete either the Position or Replacement Value field for the fields you
selected to update.
−
If you select the Allow Partial File Import option, then you must also
−
Select at least one field in the Match column
−
Select at least one field in the Update column
−
Enter a value in either the Position or Replacement Value column for each
corresponding selected field in the Match column.
Add, Update, and Delete - Import files using this map type add batch templates
to the ACH product, update existing batch templates, and delete entries from
batch templates. However, you must import these files twice; once to add and
update and a second time to delete. The system assigns this map type if you
−
Meet all criteria for Add and Update
−
Select the Delete Unmatched Batch Template Records field.
Buttons
Button
Description
Add Map
Adds the delimited-format map
Cancel
Does not add the delimited-format map
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ACH Map Definition
Add a Map (Fixed) Page
Add a Map (Fixed)
Use this page to add a fixed-format import map file. A fixed-format map instructs the
system how to map the fields in an import file to add, change, or delete entries in a single
batch template. When you select this service, the system displays all existing import
maps for your customer code.
Duplicate Transactions
The system allows you to import duplicate transactions in the same ACH batch. For each
transaction entry with the same participant ID in an ACH file, the system adds an entry
for each occurrence. If an ACH file contains duplicate transactions, and you are updating
entries for an existing batch, we suggest you use multiple matching criteria to ensure you
are updating the correct entry.
For example, in a payroll import file, you can create a map that matches on the
Participant ID and the Transaction Code. This way, the import file can contain a
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transaction entry for a participant to credit his checking account and a separate
transaction entry to credit his savings account.
Rules
For partial files, the import process allows you to have duplicate transactions according to
the following rules:
•
Matching is based on the fields selected in the Match column of the import
map used.
•
Only the update process is allowed; add and delete processes are not allowed.
•
All matching records in the database are updated.
For non-partial files, the import process allows you to have duplicate transactions
according to the following rules:
•
Add, update and delete processes are allowed.
•
Matching for the update and delete processes are based on several fields
including the Customer Code, Company ID, Batch Code and Participant ID.
•
For the update process, all matching records in the database are updated.
•
Only the first record found in the database is updated with the matching record
in the imported file.
•
After all records from the import file are updated in the database, where
possible, any remaining import records are flagged with an error message
saying that no record was found to update in the database.
•
All unmatched records in the database are deleted. The delete process takes
place before the update process when the process mode is Update and Delete.
Fields
Field Name
Description
Import File Map
Definition Delimited
File Map section
Map Code
Unique identifier for the delimited format import map file. Enter a
unique maximum 12-alphanumeric character map code.
Skip First Header
Record
Option that indicates whether you want the system to skip and
ignore the first header record on import files that use this map.
Select this option if the import file contains header information in
the first record.
Map Name
Unique name for the delimited format import map file. Enter a
unique maximum 40-alphanumeric character map name.
Load Zero to Amount
Fields
Option that indicates whether you want the system to change the
amount for all batch entries to zero when you import a file that uses
this map. Select this option if you want the system to add the batch
entry amounts as zero (0). The system does not change amounts to
zero for any batch entries the import file does not update.
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Field Name
Description
Map Type
Initially displays System will assign. After import map is saved, the
system assigns the map type This field is display only.
Delete Unmatched
Batch Template Records
Option that indicates whether you want the system to delete batch
entries that are not updated when you import a file that uses this
map. Select this option if you want the system to delete batch
entries that are not updated when you import a file that uses this
map.
Import Type
Indicates the type of delimited format import map file. Options are:
Record Length
•
Repetitive Only
•
Non-Repetitive Only
•
Non-Repetitive and Repetitive (Both)
Length of each record in the import file. All records in a fixed format
import map must be the same length. When determining the length
of a record, include carriage returns and line feeds in the total
length.
Values are 0001 to 9999.
Allow Partial File Import
Option that indicates whether the file being imported must contain
all required fields to add new participants. When selected, you may
define only those fields contained in the file being imported. Select
this option if you want the system to allow adding participants when
the file being imported does not contain all required fields.
Fields to Add, Match
or Update section
Field Name
List of fields that indicate the location of field values for each record
in the import file. The map format controls how you enter
information in this field. For delimited maps, enter the 2-digit
sequence number for the field on the record (indicates the order of
the field on the record: 1, 2, 3). Fields, their data types, and their
length limits are:
•
Transaction Code - 2 numeric
•
ABA Number - 9 numeric
•
Account Number - 17 alphanumeric
•
Amount - 10 numeric. The system removes monetary symbols
and commas from amounts when you import the file.
•
ID Number or Serial Number - 15 alphanumeric
•
Name - 22 alphanumeric
•
Disc/Payment Type - 2 alphanumeric
•
Addenda Data - 80 alphanumeric
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
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Field Name
Transaction Code
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
104
ACH Map Definition
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Field Name
ABA Number
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
Account Number
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
The account number for the participant at the financial institution.
Maximum 17 alphanumeric characters:
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value.
Note: Use the Receiver’s Account Number field instead of this field if
the transaction type code for the batch template is one of the
following codes:
Amount
•
CBR+CO
•
CBR+DO
•
PBR+CO
•
PBR+DO
Monetary amount for the batch entry. If you select the Load Zero to
Amount Fields option, do not enter field position information or a
replacement value for the amount.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
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ACH Map Definition
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Field Name
ID Number
Name
Disc/Payment Type
Description
Identifier for the participant, which is the person or organization
receiving the batch entry, or for RCK transactions, the serial number
of the check.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
Name for the participant, which is the person or organization
receiving the batch entry. Maximum 22 alphanumeric characters
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Indicates either discretionary data or the payment type.
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Note: The transaction type code associated with the batch template
controls whether the system uses the information in this field as
discretionary data or a payment type. If the transaction type code
is WEB+DO, the system uses the information in this field as the
payment type. All other transaction type codes use this information
as discretionary data.
Addenda Data
•
Discretionary Data - Additional information that further defines
the batch entry
•
Payment Type - Type of payment for the batch entry. The value
in this field must be
−
R - recurring payment
−
S - single, one-time payment.
Additional information for the batch entry, such as state or local tax
information. Enter a maximum of 80 alphanumeric characters for
additional information for the batch entry, such as state or local tax
information.
•
Update - update this field once matched
•
Position - field position in import file
Note: The transaction type code associated with the batch template
controls whether the batch entry can contain addenda information.
Rules: If you include addenda information in an import file, you
must
106
ACH Map Definition
•
Begin and end the information with quotation marks (“)
•
Select the Strip Quotes around Fields option for the associated
map.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Field Name
Position Start
Description
Starting position for records in the import file that indicates the
location of field values. The map format controls the information for
this field. For:
•
Delimited maps, enter the 2-digit sequence number for the field
in the record (indicates the order of the field in the record: 1, 2,
3)
•
Fixed maps, enter the 2-digit starting position for the field in the
record and the 2-digit field length
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc. or Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length and truncates all remaining characters.
Length
Length of each record in a fixed-format import file. All records in a
fixed format file must be the same length.
Fixed Format Example
The fields in each record of a fixed format import file always start in the same position
and are the same length. The person who builds the fixed file determines the position of
each field on each record.
Example: The following fields are used in a fixed format payroll file with a record length
of 61 characters, taking into consideration the carriage return line feed at the end of each
line:
1. ID Number always starts in position 1 and is always 11 characters.
2. Name starts in position 13 and is 12 characters.
3. Account Number starts in position 27 and is 11 characters.
4. Amount starts in position 41 and is 9 characters.
5. ABA Number starts in position 48 and is 9 characters.
6. Transaction Type starts in position 58 and is 2 characters.
585-66-9898 John Doe 898565232 238862 104000045 22
Note: You must use the Batch Maintenance service to add the template before you import
a fixed file. For more information about adding batch templates see the ACH User Guide.
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ACH Map Definition
Automated Clearing House (ACH) Reference Guide
Buttons
Button
Description
Add Map
Adds the fixed-format import map
Cancel
Does not add a fixed-format import map
Edit Map Page
Edit Map
Use this page to make changes to an ACH import map. You cannot edit standard import
maps released with the ACH product, however you can edit import maps that banks
create for your customer code.
Fields
Field Name
Description
Import File Map
Definition -Delimited
and Fixed File Map
section
Map Code
108
ACH Map Definition
Unique identifier for the delimited format import map file. Enter a
unique maximum 12-alphanumeric character map code.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Field Name
Description
Skip First Header
Record
Option that indicates whether you want the system to skip and
ignore the first header record on import files that use this map.
Select this option if the import file contains header information in
the first record.
Map Name
Unique name for the delimited format import map file. Enter a
unique maximum 40-alphanumeric character map name.
Strip Quotes (") around
fields
Option that indicates whether you want the system to remove the
quotation marks around fields in import files that use this map.
Select this option if the fields in import files are surrounded by
quotation marks.
(Delimited Format Only)
Load Zero to Amount
Fields
Option that indicates whether you want the system to change the
amount for all batch entries to zero when you import a file that uses
this map. Select this option if you want the system to add the batch
entry amounts as zero (0). The system does not change amounts to
zero for any batch entries the import file does not update.
Delimiter
List of symbols you can use as the delimiter or separator for
delimited format maps. Select one of the following options from the
list:
(Delimited Format Only)
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Map Type
Initially displays System will assign. After import map is saved, the
system assigns the map type This field is display only.
Delete Unmatched
Batch Template Records
Option that indicates whether you want the system to delete batch
entries that are not updated when you import a file that uses this
map. Select this option if you want the system to delete batch
entries that are not updated when you import a file that uses this
map.
Import Type
Indicates the type of delimited format import map file. Options are:
•
Repetitive Only
•
Non-Repetitive Only
•
Non-Repetitive and Repetitive (Both)
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ACH Map Definition
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Field Name
End of Record ID
(Delimited Format Only)
Description
A list of symbols you can use as the end-of-record identifier for
delimited format maps that designates where one transaction entry
ends and another begins. Select one of the following options from
the list:
•
Record Length
(Fixed Format Only)
New Line (each record on a separate line)
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Length of each record in the import file. All records in a fixed format
import map must be the same length. When determining the length
of a record, include carriage returns and line feeds in the total
length.
Values are 0001 to 9999.
Allow Partial File Import
Option that indicates whether the file being imported must contain
all required fields to add new participants. When selected, you may
define only those fields contained in the file being imported. Select
this option if you want the system to allow adding participants when
the file being imported does not contain all required fields.
Fields to Add, Match
or Update section
Field Name
List of fields that indicate the location of field values for each record
in the import file. The map format controls how you enter
information in this field. For delimited maps, enter the 2-digit
sequence number for the field on the record (indicates the order of
the field on the record: 1, 2, 3). Fields, their data types, and their
length limits are:
•
Transaction Code - 2 numeric
•
ABA Number - 9 numeric
•
Account Number - 17 alphanumeric
•
Amount - 10 numeric. The system removes monetary symbols
and commas from amounts when you import the file.
•
ID Number or Serial Number - 15 alphanumeric
•
Name - 22 alphanumeric
•
Disc/Payment Type - 2 alphanumeric
•
Addenda Data - 80 alphanumeric
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
110
ACH Map Definition
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Field Name
Transaction Code
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
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111
ACH Map Definition
Automated Clearing House (ACH) Reference Guide
Field Name
ABA Number
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
Account Number
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
The account number for the participant at the financial institution.
Maximum 17 alphanumeric characters:
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value.
Note: Use the Receiver’s Account Number field instead of this field if
the transaction type code for the batch template is one of the
following codes:
Amount
112
ACH Map Definition
•
CBR+CO
•
CBR+DO
•
PBR+CO
•
PBR+DO
Monetary amount for the batch entry. If you select the Load Zero to
Amount Fields option, do not enter field position information or a
replacement value for the amount.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Field Name
ID Number
Name
Disc/Payment Type
Description
Identifier for the participant, which is the person or organization
receiving the batch entry, or for RCK transactions, the serial number
of the check.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
Name for the participant, which is the person or organization
receiving the batch entry. Maximum 22 alphanumeric characters
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Indicates either discretionary data or the payment type.
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Note: The transaction type code associated with the batch template
controls whether the system uses the information in this field as
discretionary data or a payment type. If the transaction type code
is WEB+DO, the system uses the information in this field as the
payment type. All other transaction type codes use this information
as discretionary data.
Addenda Data
•
Discretionary Data - Additional information that further defines
the batch entry
•
Payment Type - Type of payment for the batch entry. The value
in this field must be
•
R - recurring payment
•
S - single, one-time payment.
Additional information for the batch entry, such as state or local tax
information. Enter a maximum of 80 alphanumeric characters for
additional information for the batch entry, such as state or local tax
information.
•
Update - update this field once matched
•
Position - field position in import file
Note: The transaction type code associated with the batch template
controls whether the batch entry can contain addenda information.
Rules: If you include addenda information in an import file, you
must
•
Begin and end the information with quotation marks (“)
•
Select the Strip Quotes around Fields option for the associated
map.
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113
ACH Map Definition
Automated Clearing House (ACH) Reference Guide
Field Name
Position (Delimited
Format Only)
Description
A list of fields that indicate the location of values in each record of
the import file. The map format controls the information you enter in
this field. For delimited-format maps, enter the 2-digit sequence
number for the field in the record (indicates the order of the field in
the record: 1, 2, 3).
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc./Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
Position Start (Fixed
Format Only)
Starting position for records in the import file that indicates the
location of field values. The map format controls the information for
this field. For:
•
Delimited maps, enter the 2-digit sequence number for the field
in the record (indicates the order of the field in the record: 1, 2,
3)
•
Fixed maps, enter the 2-digit starting position for the field in the
record and the 2-digit field length
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc. or Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length and truncates all remaining characters.
Length (Fixed Format
Only)
114
ACH Map Definition
Length of each record in a fixed-format import file. All records in a
fixed format file must be the same length.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Buttons
Button
Description
Submit Changes
Saves changes to an import map
Reset
Removes entries from fields and displays default values
Cancel
Does not edit an import map
Delete Map Page
Delete Map
Use this page to delete an ACH import map. All fields on this page are display only. You
cannot delete standard import maps released with the ACH product, however you can
delete import maps that banks create for your customer code.
Fields
Field Name
Description
Import File Map
Definition -Delimited
and Fixed File Map
section
Map Code
Unique identifier for the delimited format import map file. Enter a
unique maximum 12-alphanumeric character map code.
Skip First Header
Record
Option that indicates whether you want the system to skip and
ignore the first header record on import files that use this map.
Select this option if the import file contains header information in
the first record.
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115
ACH Map Definition
Automated Clearing House (ACH) Reference Guide
Field Name
Description
Map Name
Unique name for the delimited format import map file. Enter a
unique maximum 40-alphanumeric character map name.
Strip Quotes (") around
fields
Option that indicates whether you want the system to remove the
quotation marks around fields in import files that use this map.
Select this option if the fields in import files are surrounded by
quotation marks.
(Delimited Format Only)
Load Zero to Amount
Fields
Option that indicates whether you want the system to change the
amount for all batch entries to zero when you import a file that uses
this map. Select this option if you want the system to add the batch
entry amounts as zero (0). The system does not change amounts to
zero for any batch entries the import file does not update.
Delimiter
List of symbols you can use as the delimiter or separator for
delimited format maps. Select one of the following options from the
list:
(Delimited Format Only)
Import Type
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Indicates the type of delimited format import map file. Options are:
•
Repetitive Only
•
Non-Repetitive Only
•
Non-Repetitive and Repetitive (Both)
Map Type
Initially displays System will assign. After import map is saved, the
system assigns the map type This field is display only.
Delete Unmatched
Batch Template Records
Option that indicates whether you want the system to delete batch
entries that are not updated when you import a file that uses this
map. Select this option if you want the system to delete batch
entries that are not updated when you import a file that uses this
map.
End of Record ID
A list of symbols you can use as the end-of-record identifier for
delimited format maps that designates where one transaction entry
ends and another begins. Select one of the following options from
the list:
(Delimited Format Only)
•
116
ACH Map Definition
New Line (each record on a separate line)
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Field Name
Record Length
(Fixed Format Only)
Description
Length of each record in the import file. All records in a fixed format
import map must be the same length. When determining the length
of a record, include carriage returns and line feeds in the total
length.
Values are 0001 to 9999.
Allow Partial File Import
Option that indicates whether the file being imported must contain
all required fields to add new participants. When selected, you may
define only those fields contained in the file being imported. Select
this option if you want the system to allow adding participants when
the file being imported does not contain all required fields.
Fields to Add, Match
or Update section
Field Name
List of fields that indicate the location of field values for each record
in the import file. The map format controls how you enter
information in this field. For delimited maps, enter the 2-digit
sequence number for the field on the record (indicates the order of
the field on the record: 1, 2, 3). Fields, their data types, and their
length limits are:
•
Transaction Code - 2 numeric
•
ABA Number - 9 numeric
•
Account Number - 17 alphanumeric
•
Amount - 10 numeric. The system removes monetary symbols
and commas from amounts when you import the file.
•
ID Number or Serial Number - 15 alphanumeric
•
Name - 22 alphanumeric
•
Disc/Payment Type - 2 alphanumeric
•
Addenda Data - 80 alphanumeric
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
Copyright © 2008 by Digital Insight, an Intuit company
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117
ACH Map Definition
Automated Clearing House (ACH) Reference Guide
Field Name
Transaction Code
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
118
ACH Map Definition
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH Map Definition
Field Name
ABA Number
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
Account Number
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
The account number for the participant at the financial institution.
Maximum 17 alphanumeric characters:
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value.
Note: Use the Receiver’s Account Number field instead of this field if
the transaction type code for the batch template is one of the
following codes:
Amount
•
CBR+CO
•
CBR+DO
•
PBR+CO
•
PBR+DO
Monetary amount for the batch entry. If you select the Load Zero to
Amount Fields option, do not enter field position information or a
replacement value for the amount.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
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Field Name
ID Number
Name
Disc/Payment Type
Description
Identifier for the participant, which is the person or organization
receiving the batch entry, or for RCK transactions, the serial number
of the check.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
Name for the participant, which is the person or organization
receiving the batch entry. Maximum 22 alphanumeric characters
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Indicates either discretionary data or the payment type.
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Note: The transaction type code associated with the batch template
controls whether the system uses the information in this field as
discretionary data or a payment type. If the transaction type code
is WEB+DO, the system uses the information in this field as the
payment type. All other transaction type codes use this information
as discretionary data.
Addenda Data
•
Discretionary Data - Additional information that further defines
the batch entry
•
Payment Type - Type of payment for the batch entry. The value
in this field must be
−
R - recurring payment
−
S - single, one-time payment.
Additional information for the batch entry, such as state or local tax
information. Enter a maximum of 80 alphanumeric characters for
additional information for the batch entry, such as state or local tax
information.
•
Update - update this field once matched
•
Position - field position in import file
Note: The transaction type code associated with the batch template
controls whether the batch entry can contain addenda information.
Rules: If you include addenda information in an import file, you
must
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•
Begin and end the information with quotation marks (“)
•
Select the Strip Quotes around Fields option for the associated
map.
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ACH Map Definition
Field Name
Position (Delimited
Format Only)
Description
A list of fields that indicate the location of values in each record of
the import file. The map format controls the information you enter in
this field. For delimited-format maps, enter the 2-digit sequence
number for the field in the record (indicates the order of the field in
the record: 1, 2, 3).
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc./Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
Position Start (Fixed
Format Only)
Starting position for records in the import file that indicates the
location of field values. The map format controls the information for
this field. For:
•
Delimited maps, enter the 2-digit sequence number for the field
in the record (indicates the order of the field in the record: 1, 2,
3)
•
Fixed maps, enter the 2-digit starting position for the field in the
record and the 2-digit field length
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc. or Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length and truncates all remaining characters.
Length (Fixed Format
Only)
Length of each record in a fixed-format import file. All records in a
fixed format file must be the same length.
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Buttons
Button
Description
Delete Map
Removes an import map from the system
Cancel
Does not delete an import map
Map Detail Page
Map Detail
Use this page to view detailed information for an ACH import map. All of the fields on
this page are display only.
Fields
Field Name
Description
Import File Map
Definition -Delimited
and Fixed File Map
section
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ACH Map Definition
Field Name
Description
Map Code
Unique identifier for the delimited format import map file. Enter a
unique maximum 12-alphanumeric character map code.
Skip First Header
Record
Option that indicates whether you want the system to skip and
ignore the first header record on import files that use this map.
Select this option if the import file contains header information in
the first record.
Map Name
Unique name for the delimited format import map file. Enter a
unique maximum 40-alphanumeric character map name.
Strip Quotes (") around
fields
Option that indicates whether you want the system to remove the
quotation marks around fields in import files that use this map.
Select this option if the fields in import files are surrounded by
quotation marks.
(Delimited Format Only)
Load Zero to Amount
Fields
Import Type
Delimiter
(Delimited Format Only)
Option that indicates whether you want the system to change the
amount for all batch entries to zero when you import a file that uses
this map. Select this option if you want the system to add the batch
entry amounts as zero (0). The system does not change amounts to
zero for any batch entries the import file does not update.
Indicates the type of delimited format import map file. Options are:
•
Repetitive Only
•
Non-Repetitive Only
•
Non-Repetitive and Repetitive (Both)
List of symbols you can use as the delimiter or separator for
delimited format maps. Select one of the following options from the
list:
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Map Type
Initially displays System will assign. After import map is saved, the
system assigns the map type This field is display only.
Delete Unmatched
Batch Template Records
Option that indicates whether you want the system to delete batch
entries that are not updated when you import a file that uses this
map. Select this option if you want the system to delete batch
entries that are not updated when you import a file that uses this
map.
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Field Name
End of Record ID
(Delimited Format Only)
Description
A list of symbols you can use as the end-of-record identifier for
delimited format maps that designates where one transaction entry
ends and another begins. Select one of the following options from
the list:
•
Record Length
(Fixed Format Only)
New Line (each record on a separate line)
•
, (comma)
•
* (asterisk)
•
: (colon)
•
; (semi-colon)
•
\ (backslash)
•
/ (forwardslash)
•
| (pipe).
Length of each record in the import file. All records in a fixed format
import map must be the same length. When determining the length
of a record, include carriage returns and line feeds in the total
length.
Values are 0001 to 9999.
Allow Partial File Import
Option that indicates whether the file being imported must contain
all required fields to add new participants. When selected, you may
define only those fields contained in the file being imported. Select
this option if you want the system to allow adding participants when
the file being imported does not contain all required fields.
Fields to Add, Match
or Update section
Field Name
List of fields that indicate the location of field values for each record
in the import file. The map format controls how you enter
information in this field. For delimited maps, enter the 2-digit
sequence number for the field on the record (indicates the order of
the field on the record: 1, 2, 3). Fields, their data types, and their
length limits are:
•
Transaction Code - 2 numeric
•
ABA Number - 9 numeric
•
Account Number - 17 alphanumeric
•
Amount - 10 numeric. The system removes monetary symbols
and commas from amounts when you import the file.
•
ID Number or Serial Number - 15 alphanumeric
•
Name - 22 alphanumeric
•
Disc/Payment Type - 2 alphanumeric
•
Addenda Data - 80 alphanumeric
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
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ACH Map Definition
Field Name
Transaction Code
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
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Field Name
ABA Number
Description
The NACHA transaction code that identifies the type of batch entry.
Select the NACHA transaction code that identifies the type of batch
entry.
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - Drop-down selection list to select the value
you want to use in place of the Field Position value.
The ACH product supports the following 2-numeric character
transaction codes:
Account Number
•
22 - Live DDA Credit
•
23 - DDA Credit Prenote
•
27 - Live DDA Debit
•
28 - DDA Debit Prenote
•
32 - Live Savings Credit
•
33 - Savings Credit Prenote
•
37 - Live Savings Debit
•
38 - Savings Debit Prenote
•
42 - Live G/L Credit
•
43 - G/L Credit Prenote
•
47 - Live G/L Debit
•
48 - G/L Debit Prenote
•
52 - Live Loan Credit
•
53 - Loan Credit Prenote
The account number for the participant at the financial institution.
Maximum 17 alphanumeric characters:
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value.
Note: Use the Receiver’s Account Number field instead of this field if
the transaction type code for the batch template is one of the
following codes:
Amount
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•
CBR+CO
•
CBR+DO
•
PBR+CO
•
PBR+DO
Monetary amount for the batch entry. If you select the Load Zero to
Amount Fields option, do not enter field position information or a
replacement value for the amount.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
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ACH Map Definition
Field Name
ID Number
Name
Disc/Payment Type
Description
Identifier for the participant, which is the person or organization
receiving the batch entry, or for RCK transactions, the serial number
of the check.
•
Update - update this field once matched
•
Position - field position in Import File
•
Replacement Value - use this value in place of the Field Position
value
Name for the participant, which is the person or organization
receiving the batch entry. Maximum 22 alphanumeric characters
•
Match - match to this field in the system
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Indicates either discretionary data or the payment type.
•
Update - update this field once matched
•
Position - field position in import file
•
Replacement Value - use this value in place of the Field Position
value
Note: The transaction type code associated with the batch template
controls whether the system uses the information in this field as
discretionary data or a payment type. If the transaction type code
is WEB+DO, the system uses the information in this field as the
payment type. All other transaction type codes use this information
as discretionary data.
Addenda Data
•
Discretionary Data - Additional information that further defines
the batch entry
•
Payment Type - Type of payment for the batch entry. The value
in this field must be
−
R - recurring payment
−
S - single, one-time payment.
Additional information for the batch entry, such as state or local tax
information. Enter a maximum of 80 alphanumeric characters for
additional information for the batch entry, such as state or local tax
information.
•
Update - update this field once matched
•
Position - field position in import file
Note: The transaction type code associated with the batch template
controls whether the batch entry can contain addenda information.
Rules: If you include addenda information in an import file, you
must
•
Begin and end the information with quotation marks (“)
•
Select the Strip Quotes around Fields option for the associated
map.
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Field Name
Position (Delimited
Format Only)
Description
A list of fields that indicate the location of values in each record of
the import file. The map format controls the information you enter in
this field. For delimited-format maps, enter the 2-digit sequence
number for the field in the record (indicates the order of the field in
the record: 1, 2, 3).
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc./Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length. It truncates all characters to the right.
Position Start (Fixed
Format Only)
Starting position for records in the import file that indicates the
location of field values. The map format controls the information for
this field. For:
•
Delimited maps, enter the 2-digit sequence number for the field
in the record (indicates the order of the field in the record: 1, 2,
3)
•
Fixed maps, enter the 2-digit starting position for the field in the
record and the 2-digit field length
Limits: The length limits for the fields are:
•
Tran Code (2 numeric)
•
ABA Number (9 numeric)
•
Account Number (17 alphanumeric)
•
Amount (10 numeric) - the system removes monetary symbols
and commas from amounts when you import the file
•
ID Number or Serial Number (15 alphanumeric)
•
Name (22 alphanumeric)
•
Disc. or Payment Type (2 alphanumeric)
•
Addenda Data (80 alphanumeric)
•
Receiver’s Bank ID (11 alphanumeric)
•
Receiver’s Acct. Number (25 alphanumeric)
Note: For delimited maps, if a field on the import file is longer than
the limit, the system loads only the number of characters up to the
limit length and truncates all remaining characters.
Length (Fixed Format
Only)
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Length of each record in a fixed-format import file. All records in a
fixed format file must be the same length.
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ACH Map Definition
Buttons
Button
Description
Return to Map Selection
Page
Displays the Import Maps page
Print this Page
Sends the displayed page to your printer
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10. ACH Status Report
About ACH Status Report
Use the Status Report service to request and display the
•
ACH File Summary report, which displays summary information for ACH files
•
ACH Batch Summary report, which displays summary information for the
batches within an ACH file
•
ACH Batch Detail report, which displays detailed batch entry or payment
request information.
For more information about payment requests, see the Consolidated Payments Reference
Guide.
Service Information
The following information applies to the ACH Status Report service.
Technology
This is a ColdFusion-enabled service.
Audience
The ACH Status Report service is available to bank personnel. For a complete list of all
ACH services and the audience for each service, see “ACH Services” on page 10.
Default Service Identifiers
The following default service identifiers are associated with the ACH Status Report
service and reflect the initially-installed values:
•
Service Name: ACH Status Report
The service name is the name that the system uses to describe a service.
•
Tab Text: Status
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHStatus
The service ID is the code the system uses to identify the service.
•
Service Group: ACH Admin (tabbed-interface only)
The service group is the group to which the service belongs. See “Menu
Interfaces” on page 17.
ACH Status Report Pages
The Status Report service contains the following pages:
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•
ACH Status Report Selection Page
•
ACH File Summary Report Page
•
ACH Batch Summary Report Page
•
ACH Batch Detail Report Page
ACH Status Report Selection Page
Status Selection
Use this page to request the ACH File Summary report and to customize how information
displays on the report. This report displays ACH file summary information for one or
more corporate customers.
Fields
Field Name
Description
Code
Optional. Code for the corporate customer. Enter all or part of the
code up to 12 alphanumeric characters and click Find to list all
corporate customers who match the search criteria.
Name
Optional. Name for the corporate customer. Enter all or part of the
name up to 40 alphanumeric characters and click Find to list all
corporate customers who match the search criteria.
Query From and To File
Create Date
Range of ACH file dates to display on the ACH File Summary report.
Use the mm/dd/yyyy format to enter the From and To dates, or click
the calendar icon to the right of each field to select the dates. The
default for both fields is the current date.
Query From and To File
Trace Number
Optional. Range of ACH file trace numbers to display on the ACH File
Summary report. Enter the From and To range for the ACH file trace
numbers up to 12 numeric characters in each field.
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ACH Status Report
Field Name
Report Characteristic
Sort
Description
Criteria you want the system to use to sort information on the ACH
File Summary report.
Note: The system sorts the ACH files on the report in ascending
order (lowest to highest).
Select whether you want to sort the information on the ACH File
Summary report by
•
Customer name
•
File trace number.
The default is File Trace Number.
Status
A list of batch statuses that limit the information that displays on the
ACH File Summary report. Options are:
•
All Status
•
Created with Exceptions
•
Created without Exceptions
•
In Process
Buttons
Button
Find
Description
Displays a list of corporate customers. If you
•
Enter information in the Code or Name fields, the system
displays only corporate customers in the list that match the
criteria you enter.
•
Do not enter information in the Code or Name fields, the system
displays all corporate customers in the list.
Submit
Opens the ACH File Summary Report page and displays the
information you requested
Clear
Restores the information in all fields to the default values
ACH File Summary (Status) Report Page
ACH File Summary Report
Use this page to
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•
Review summary information for ACH files
•
Request the ACH Batch Summary report, which displays summary information
for the batches associated with the selected ACH file.
You cannot change information on this page.
Fields
Field Name
Description
Customer
Customer name and customer code of the person associated with
the batch
File Tr No
Unique sequential number the system assigned to the ACH file when
it was built
# Batches
Number of batches included in the ACH file
# Records
Total number of records (file header, batch header, detail entries,
addenda, batch control, and file control) in the ACH file across all
batches
Debits
Total number of debit entries in the batch and the total monetary
amount for the debit entries. Total debits include debit entries with
an amount greater than zero (0) and a status of
•
Prenote
•
Zero Dollar
•
Active
Frozen entries and zero amount active entries are not included in
this count.
Credits
Total number of credit entries in the batch and the total monetary
amount for the credit entries. Total credits include credit entries with
an amount greater than zero (0) and a status of
•
Prenote
•
Zero Dollar
•
Active
Frozen entries and zero amount active entries are not included in
this count.
Creation Date/Time
Date and time the ACH file was built
File Size
Size of the ACH file in bytes
Status
Details
Current status for the batch. Values are
•
All Status
•
Created with Exceptions
•
Created without Exceptions
•
In Process
A magnifying glass icon
.
Click the icon to open the ACH Batch Detail Report page, which
displays detailed information for the selected batch.
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ACH Status Report
ACH Batch Summary (Status) Report Page
ACH Batch Summary Report (ACH batches)
ACH Batch Summary Report (Consolidated Payments batches)
Use this page to
•
Review summary information for the batches within the selected ACH file
•
Request the ACH Batch Detail report, which displays detailed information for
a specific batch.
This page displays when you click the Details
icon on the ACH File Summary
Report page. You cannot change information on this page.
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Fields
Field Name
Description
Header section (not
labeled)
File Trace Number
Unique number the system assigned to the ACH file when it was
built
File Size
Size of the ACH file in bytes
Creation Date
Date the ACH file was created
File Status
Identifies whether the file is in process, was created with exceptions,
or created without exceptions
Batch information
section (not labeled)
Unprocessed Batches
section
Batches that were flagged to go into this file but, did not get written
to the file, possibly due to file creation process interruption.
Bank Tr No
Unique number the system assigned to the approved batch.
If the batch contains payment requests, this field displays the
unique number the system assigned when it built the batch.
Customer Code / Name
Code and name for the corporate customer associated with the
batch
Company ID / Name
Identifier and name for the ACH company associated with the batch
User Batch Code/Name
Code and name for the batch. If the batch contains payment
requests, this field displays
(Transaction) Type
•
PAYCO - PAYCO Batch for payroll payment requests
•
TAXCO - TAXCO Batch for tax payment requests
Short name for the type of transaction included in the ACH batch. If
the batch contains payment requests, this field displays
•
PAYCO - PAYCO Batch for payroll payment requests
•
TAXCO - TAXCO Batch for tax payment requests
Debits
Total number of debit transactions (batch entries or payment
requests) in the batch and the total dollar amount for the debit
transactions
Credits
Total number of credit transactions (batch entries or payment
requests) in the batch and the total dollar amount for the credit
transactions
Entries
Total number of transactions (batch entries or payment requests) in
the batch
Effective Entry Date
Effective entry date for the batch, which is the date the bank posts
the transactions (batch entries or payment requests) to the
customers’ accounts
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ACH Status Report
Field Name
Activator
Description
Customer ID and user ID of the person who activated the batch, and
the date and time the batch was activated. If the batch contains
payment requests, this field displays
•
PAYROLLCUST - PAYROLLUSER for payroll payment requests
•
TAXCUST - TAXUSER for tax payment requests
•
Date and time the system built the batch
Note: The system displays a generic customer and user ID for
Consolidated Payments batches because these batches can contain
payment requests entered by multiple users.
Approver
Customer ID and user ID of the person who approved the batch, and
the date and time the batch was approved. If the batch contains
payment requests, this field displays
•
PAYROLLCUST - PAYROLLUSER for payroll payment requests
•
TAXCUST - TAXUSER for tax payment requests
•
Date and time the system built the batch.
Note: The system displays a generic customer and user ID for
Consolidated Payments batches because these batches can contain
payment requests entered by multiple users.
Details
A magnifying glass icon
.
Click the icon to open the ACH Batch Detail (Status) Report page,
which displays detailed information for the selected batch.
Processed Batches
section
Batches display in bold red font and highlighted when they are in
this state.
This section contains the same fields as the Unprocessed Batches
section, with the addition of the following fields:
State
Displays the status of the batches
Failed Entries
The count of transactions with the status of
•
Active with an Amount of Zero
•
Frozen with any Amount
This field displays only when there is at least one value to display.
Buttons
Button
Description
Finished
Closes the ACH Batch Summary Report page and opens the ACH File
Summary Report page
Recreate ACH File
Makes a copy of the previously-built ACH file and copies it to the
active directory for ACH files that are being transmitted to the bank
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ACH Batch Detail (Status) Report Page
ACH Batch Detail Report (ACH Batches)
ACH Batch Detail Report (tax payment requests)
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ACH Status Report
ACH Batch Detail Report (payroll payment requests)
Use this page to display detailed information for the selected batch. This page displays
on the ACH Batch Summary Report page. You
when you click the Details icon
cannot change information on this page.
Fields
Field Name
Description
Batch Information
section (not labeled)
Company
Identifier and name for the ACH company
User Batch Code/Name
Code and name for the batch. If the batch contains payment
requests, this field displays
•
PAYCO - PAYCO Batch for payroll payment requests
•
TAXCO - TAXCO Batch for tax payment requests
Effective Entry Date
Effective entry date for the batch, which is the date the bank posts
the transactions (batch entries or payment requests) to the
customers’ accounts
Originating Currency
Originating currency for the batch, which is always USD
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Field Name
Type
Description
Type of account for the batch entry or payment request. The values
are
•
Checking - for a demand deposit account
•
Savings - for a savings account
•
Gen Ledger - for a general ledger account
•
Loan - for a loan account.
Note: The values Gen Ledger and Loan do not display for the
following transaction type codes:
Activator
•
CBR+CO
•
CBR+DO
•
PAYCO
•
PBR+CO
•
PBR+DO
•
TAXCO
•
WEB+DO
The customer ID and user ID of the person who activated the batch.
If the batch contains payment requests, this field displays
•
PAYROLLCUST - PAYROLLUSER for payroll payment requests
•
TAXCUST - TAXUSER for tax payment requests
Note: The system displays generic activation information for
Consolidated Payments batches because these batches can contain
payment requests that multiple users enter and approve.
Activation Date
Date the corporate user activated the batch. If the batch contains
payment requests, this field displays the date the system built the
batch.
Note: The system displays a generic activation date for
Consolidated Payments batches because these batches can contain
payment requests entered and approved by multiple users.
Offset Creation Level
Transaction Type
Bank Trace Number
Indicates whether the corporate user must select an offset account
for each:
•
Batch
•
Transaction entry within a batch
Long, descriptive name of the transaction type for the batch
Unique number the system assigned to the approved batch.
If the batch contains payment requests, this field displays the
unique number the system assigned when it built the batch.
Customer Trace
Number
Unique number the system assigned to the activated batch.
Foreign Exchange
Indicator
Indicates whether batch supports:
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If the batch contains payment requests, this field displays the
unique number the system assigned when it created the batch.
•
Fixed-to-fixed ACH transactions (the payment is originated in
United States Dollars (USD) and is paid in USD)
•
Fixed-to-variable ACH transctions (the payment is originated in
USD and paid in a foreign currency). The ACH operator
determines the foreign amount.
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ACH Status Report
Field Name
Description
Destination Country
List of countries you are permitted to access for cross-border ACH
activity
Destination Currency
List of currencies you are permitted to access for cross-border ACH
activity
Approver
Customer ID and user ID of the person who approved the batch.
If the batch contains payment requests, this field displays
•
PAYROLLCUST - PAYROLLUSER for payroll payment requests
•
TAXCUST - TAXUSER for tax payment requests
Note: The system displays generic activation information for
Consolidated Payments batches because these batches can contain
payment requests that multiple users enter and approve.
Approval Date
The date the corporate user approved the batch.
If the batch contains payment requests, this field displays the date
the system built the batch.
Note: The system displays a generic approval date for Consolidated
Payments batches because these batches can contain payment
requests entered and approved by multiple users.
Offset Account
See Offset Account field at the end of this table.
Name
Name for the participant. If the batch contains payment requests,
this field displays the payee’s name.
ID Number
Identifier for the participant. If the batch contains payment
requests, this field displays the payee’s ID number.
Bank
Routing transit number that identifies the receiving financial
institution for the entry. For cross-border transaction type codes,
this field displays the receiver's bank ID and is display only.
Account
Participant’s account number. If the batch contains payment
requests, this field displays the payee’s account number.
Type
Type of account for the batch entry or payment request. The values
are
•
Checking - for a demand deposit account
•
Savings - for a savings account
•
Gen Ledger - for a general ledger account
•
Loan - for a loan account.
Note: The values Gen Ledger and Loan do not display for the
following transaction type codes:
•
CBR+CO
•
CBR+DO
•
PAYCO
•
PBR+CO
•
PBR+DO
•
TAXCO
•
WEB+DO
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Field Name
Credit/Debit
Description
Code that indicates whether the batch entry or payment request is a
credit or a debit. The values are
•
C - for credit
•
D - for debit
Amount
Amount for the batch entry or payment request
Txn Type
Type of transaction
Disc.
Discretionary data or additional information that further defines the
batch entry or payment request.
Note: This field does not display if the transaction type code is
WEB+DO.
State
Current status for the batch entry or payment request. The values
are
•
Active - The system includes the batch entry or payment request
in the ACH file
•
Frozen - The system does not include the batch entry or
payment request in the ACH file
•
Prenote - The system includes the batch entry or payment
request in the batch, but sets the amount to $0.00. After the
batch is approved, and the ACH cutoff process completes, the
system changes the status to Active.
•
Zero Dollar - The system includes the batch entry or payment
request in the ACH file, but sets the amount to $0.00. This value
is valid only for CCD+ transaction types.
Red bold text and a red asterisk display to the right of the State field
for exception transactions.
Addendum
Additional information for the entry, such as state or local tax
information. The data in this field is record 7 in the ACH Addenda
record. Displays only after you have defined an addenda for the
batch type. Maximum 80 alphanumeric characters
Offset Account
Offset account associated with the batch entry or payment request.
Note: This field displays only if the offset creation level for the
transaction type code is Transaction.
Button
The ACH Batch Detail (Status) Report page contains the Back button. Click this button
to close the ACH Batch Delete Confirmation Summary page and open the ACH
Summary Report page.
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11. ACH Pass-Thru Report
About ACH Pass-Through Report
Use the ACH Pass-Through Report service to request and display the ACH Pass-Through
report. This report displays all activity for the pass-thru ACH files processed through the
ACH product.
Service Information
The following information applies to the ACH Pass-Through Report service.
Technology
This is a ColdFusion-enabled service.
Audience
The ACH Pass-Through Report service is available to bank and corporate personnel. For
a complete list of all ACH services and the audience for each service, see “ACH
Services” on page 10.
Default Service Identifiers
The following default service identifiers are associated with the ACH Pass-Through
Report service and reflect the initially-installed values:
•
Service Name: ACH Pass-Through Report
The service name is the name that the system uses to describe a service.
•
Tab Text: ACH PT Report
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHPTReport
The service ID is the code the system uses to identify the service.
•
Service Group: ACH (tabbed-menu interface only)
The service group is the group to which the service belongs. See “Menu
Interfaces” on page 17.
ACH Pass-Through Report Pages
The ACH Pass-Through Report service contains the following pages:
•
Pass-Thru Report Selection Page
•
ACH Pass-Thru Report Page
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ACH Pass-Thru Report Selection Page
Pass-Thru Report Selection
Use this page to
•
Enter report criteria
•
Request an ACH Pass-Thru report.
The Customers section displays only when bank personnel access this page.
Fields
Field Name
Description
Customers section
Code
Optional. Code for the corporate customer. Enter all or part of the
code up to 12 alphanumeric characters and click Find/Refresh to
list all corporate customers that match the search criteria. This field
displays only for bank personnel.
Name
Optional. Name for the corporate customer. Enter all or part of the
name up to 40 alphanumeric characters and click Find/Refresh to
list all corporate customers that match the search criteria.
Query from and to
section
File Processing Date
Date range for the report. Use the mm/dd/yyyy format to enter the
From and To dates, or click the calendar icon to the right of the field
to select the dates.
The default for both fields is the current date.
File Pending #
Optional. Range of pending trace numbers for the report. Enter the
From and To pending trace numbers.
File Trace #
Optional. Range of bank trace numbers for the report. Enter the
From and To bank trace numbers.
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Buttons
Button
Find/Refresh
Description
Displays a list of corporate customers for the leadbank. If you
•
Enter Information in the Code and Name fields, the system
displays only corporate customers in the list that match the
search criteria
•
Do not enter information in the Code and Name fields, the
system displays all corporate customers in the list.
Note: This button displays only when bank personnel access this
page.
Submit
Submits the report request and displays the ACH Pass-Thru Report
page
Reset
Restores the information in all fields to the default values
ACH Pass-Thru Report Page
ACH Pass-Thru Report
Use this page to review summary information for ACH pass-thru files. The Cust Code
field displays only when bank personnel access this page. This page displays when you
click Submit on the Pass-Thru Report Selection page. You cannot change information on
this page.
Fields
Field Name
Cust Code
Description
Code for the corporate customer.
Note: This field displays only when bank personnel access this page.
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Field Name
File Name
Description
The name for the pass-thru ACH file. When you accept a pass-thru
ACH file, the system assigns a new name to the file. The processing
stage displays to the left of the name and indicates where the
system is in the processing cycle. The values are
•
Incoming - The system loaded the pass-thru ACH file (The
original file name displays here.)
•
Internal - The system verified the file formats for the pass-thru
ACH file (the original file name displays here.)
•
Outgoing - The system sent the pass-thru ACH file to the bank
(The new file name for the accepted file displays here.)
The format for the new file name is [cust code]_Pjjjsssss, where
Pend/Trace #
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•
[cust code] is the customer code
•
_ is an underscore
•
P is the letter P
•
jjj is the Julian date
•
sssss is a unique sequence number.
Unique trace number the system assigned to the pass-thru ACH file
when it was loaded or accepted. The processing stage indicates the
type of trace number. If the processing stage is
•
Incoming or Internal, this field displays the pending trace
number that the system assigned to the pass-thru ACH file when
it was loaded
•
Outgoing, this field displays the bank trace number that the
system assigned to the pass-thru ACH file when it was accepted.
Contents of the pass-thru ACH file. The values are
•
Batches - The total number of batches in the pass-thru ACH file
•
File Credits - The total number of credit entries in the pass-thru
ACH file and the total dollar amount for the credit entries
•
File Debits - The total number of debit entries in the pass-thru
ACH file and the total dollar amount for the debit entries
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ACH Pass-Thru Report
Field Name
Status
Description
Status for the pass-thru ACH file. The values are
•
Accepted - The pass-thru ACH file was accepted
•
Deleted - The record for the accepted and processed pass-thru
ACH file was deleted from the system
•
Failed - The pass-thru ACH file did not successfully load
•
Loading - The system is loading the pass-thru ACH file and
verifying the file formats
•
Successful - The pass-thru ACH file successfully loaded
•
Successful (W) - The pass-thru ACH file successfully loaded, but
there were formatting warning messages
The processing stage controls the statuses that can display in this
field. If the processing status is
Processed By
Total Accepted
•
Incoming, then only the statuses Loading, Successful, Successful
(W), and Failed can display in this field
•
Internal, then only the statuses Accepted and Deleted can
display in this field
•
Outgoing, then only the status Deleted can display in this field.
(This field displays blank if the accepted ACH pass-thru file was
not deleted.)
Customer ID and user ID for the person who loaded, accepted, or
deleted the pass-thru ACH file. The processing stage indicates the
maintenance the user performed. If the value is
•
Incoming, the maintenance information indicates who loaded the
pass-thru ACH file and when it was loaded
•
Internal, the maintenance information indicates who accepted or
deleted the pass-thru ACH file and when it was accepted or
deleted
•
Outgoing, the maintenance information indicates who deleted
the accepted pass-thru ACH file and when it was deleted. (This
field displays blank if the accepted pass-thru ACH file was not
deleted.)
Displays when at least one file is shown. A section displays for each
status possible on the report. The possible states are determined by
the last displayed status of a file only, not previous status for the
file. Fields are:
•
Files - Total of all of the files for that last status
•
Batches - Summary of all of the batch totals for that last status
•
File Debits - Summary of all of the debit totals for that last
status
•
File Credits - Summary of all of the credit totals for that last
status
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Field Name
Total Transmitted
Description
Displays when at least one file is shown. A section displays for each
status possible on the report. The possible states are determined by
the last displayed status of a file only, no previous status for the file.
Fields are:
•
Files - Total of all of the files for that last status
•
Batches - Summary of all of the batch totals for that last status
•
File Debits - Summary of all of the debit totals for that last
status
•
File Credits - Summary of all of the credit totals for that last
status
Button
The ACH Pass-Thru Report page contains the Close button. Click this button to close the
ACH Pass-Thru report and open the Pass-Thru Report Selection page.
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12. ACH Report
About ACH Report
Use the ACH Report service to request and display the ACH Summary report and the
ACH Detail report. These reports display summary and detailed information for batches,
which you can export into a file. Also within this service you can delete a batch after it
has been approved.
Service Information
The following information applies to the ACH Report service.
Technology
This is a ColdFusion-enabled service.
Audience
The ACH Report service is available to bank personnel and corporate personnel. For a
complete list of all ACH services and the audience for each service, see “ACH Services”
on page 10.
Default Service Identifiers
The following default service identifiers are associated with the ACH Report service and
reflect the initially-installed values:
•
Service Name: ACH Report
The service name is the name that the system uses to describe a service.
•
Tab Text: ACH Report
The tab text is the abbreviated name on the service tab.
•
Service ID: ACHRpt
The service ID is the code the system uses to identify the service.
•
Service Group: ACH (tabbed-interface only)
The service group is the group to which the service belongs. See “Menu
Interfaces” on page 17.
ACH Report Pages
The ACH Report service contains the following pages:
•
ACH Report Selection Page
•
ACH Summary Report Page
•
Batch Detail Report Page
•
ACH Delete Confirmation Summary Page
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ACH Report Selection Page
ACH Report Selection
Use this page to request the ACH Summary Report page and to customize how
information displays on the report. This report displays summary and detailed
information for ACH batches, which you can export into a file. You can also use the
ACH Report service to delete an ACH batch after it has been activated or approved.
Fields
Field Name
Description
Header section (not
labeled)
User, date, and time
Identifier for the user logged on to the system, the current date, and
the current time. This field is display only.
Search section
Search by Customer
Code
Optional. The code for the corporate customer. Enter a customer
code up to 12 alphanumeric characters and click Search to list all
corporate customers who match the search criteria.
Search By Customer
Name
Optional. Enter a corporate customer name up to 40 alphanumeric
characters and click Search to list all corporate customers who
match the search criteria.
Available Customers
Drop-down selection list of ACH customers to which you have
permission. By default the system displays all customers with your
lead bank.
Report Criteria
section
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Field Name
Type of Date
Description
Drop-down selection list of the types of dates on which you can
report. Options are:
•
Activation
•
Approval
•
Effective Entry Date
•
File Creation
The default is Activation.
From Date and To Date
The range of dates to display on the ACH Summary report. Use the
mm/dd/yyyy format to enter the From and To dates, or click the
calendar icon to the right of each field to select the dates. The
default for both fields is the current date.
Customer Trace
Number From and To
Optional. The range of customer trace numbers to display on the
ACH Summary report. Enter up to 4 numeric characters in each field
for the From and To range of customer trace numbers.
Bank Trace Number
From and To
Optional. The range of bank trace numbers to display on the ACH
Summary report. Enter up to 7 numeric characters in each field for
the From and To range of bank trace numbers.
Report
Characteristics
section
Status
A list of batch statuses that limit the information that displays on the
ACH Summary report. Options are:
•
All Statuses
•
Activated
•
Approved
•
Deleted
•
File Created
•
Created with Exceptions
•
Busy.
The default is All Statuses.
Group By
Drop-down selection list to specify how you want to group batches
on which you are reporting. Options are:
•
Company
•
Customer
•
Date
•
Status
The default is Date.
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Field Name
Sort By
Description
Drop-down selection list to specify how you want to sort results on
the report. Options are:
•
Bank Trace Number
•
Customer ID
•
Customer Trace Number
•
Company Code
•
Company Name
•
Batch Code
•
Batch Name
•
Status
The default is Customer Trace Number.
Buttons
Button
Description
Search
Identifies ACH batches created for the ACH customer selected from
the Available Customers drop-down selection list
Submit
Opens the ACH Summary Report page and displays the information
you requested.
Clear
Restores the information in all fields to the default values.
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ACH Report
ACH Summary Report Page
ACH Summary Report
Use this page to
•
Review summary information for batches
•
Request the ACH Detail report, which displays detailed information for a
specific batch. You cannot change information on this page.
When you delete selections in a batch, the system refreshes
•
Daily Entry Limits for the last activating user by subtracting the amount of the
batch from the user’s Overall Activation limit for the effective entry date
•
Daily Entry Limits by subtracting the amount of the batch from the Customer’s
Overall Activation limit or the Company Overall Activation Limit, depending
on which applies to the batch, for the effective entry date.
Fields
Field Name
Description
Header section (not
labeled)
Bank Name
Name of the bank associated with the batch
Activation Date
Date the batch was activated
Note: This field displays only if you select Activation in the Status
field on the ACH Report Selection page.
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Field Name
Approval Date
Description
Date the batch was approved
Note: This field displays only if you select Approval in the Status
field on the ACH Report Selection page.
Effective Entry Date
Effective entry date for the batch, which is the date the bank posts
the transactions to the customers’ accounts
Note: This field displays only if you select Effective Entry in the
Status field on the ACH Report Selection page.
File Creation Date
Date the ACH file was built
Note: This field displays only if you select File Created in the
Status field on the ACH Report Selection page.
Report Summary
section
Report Totals
Total debits and credits for the report
Batch Totals for Next
Cutoff
Total debits and credits for the next cutoff
Report Summaries
Section - displays
batch summaries
based on report
selections
Activation Date
Date the batch was activated. This field displays only if you select
Activation in the Type of Date field on the ACH Report page. Other
ways you can generate the report are by
•
Approval Date - date batch was approved; displays only if you
select Approval on the Type of Date field on the ACH Report
page
•
Effective Entry Date - date the bank posts transactions to
customer accounts; displays only if you select Effective Entry
in the Type of Date field on the ACH Report page
•
File Creation Date - date the ACH file was created; displays only
if you select File Creation in the Type of Date field on the ACH
Report page.
Summary section
Report Totals
Total number of transaction entries on the report
Batch Totals for Next
Cutoff
Total debits and credits for the next cutoff
Cust Trace
Unique trace number the customer assigned to the activated batch
Bank Trace
Unique number the system assigned to the approved batch
Customer
Name of the customer associated with the batch
Company
ID and name for the ACH company associated with the batch
Company Name
Alphanumeric name for the ACH Company associated with the batch
Batch
Alphanumeric identifier for the batch
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Field Name
Description
Batch Name
Alphabetic identifier for the batch
Tran Type
Transaction type code for the entry
Eff Entry Date
Effective entry date for the batch, which is the date the bank posts
the transactions to customer accounts
Status
Current status for the batch. Values are
•
Activated - The batch is waiting for approval
•
Locked - The activated batch is locked under a user’s ID and
waiting for approval
•
Approved - The batch is approved
•
Deleted - The approved batch has been deleted prior to cutoff
•
File Created - The batch is included in an ACH file
Button
On the ACH Summary Report page, click Details
on the same line as the
transaction entry for which you want to see details, and the system displays the Batch
Detail page.
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Report Detail Page
Batch Detail Report
Use this page to review detailed information for a specific batch within the selected ACH
file.
This page displays when you click the Details
icon on the ACH File Summary
Report page. You cannot change information on this page.
Fields
Transaction type codes affect the information that displays on this page. Not all of the
fields in the table display at the same time.
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Field Name
Description
Header section (not
labeled)
User, date, and time
Identifier for the user logged on to the system, the current
date, and the current time
Customer
Name of the customer associated with the batch, not
necessarily the logged-in user
Company
ACH Company code and name associated with the batch
Batch
Batch code, batch name, and transaction type short name or
transaction type code
Batch Summary section
Batch section
Transaction Type
Short descriptive name of the transaction type for the batch
Entry Description
Description for the batch that is on the receiver's bank
statement
Offset Creation Level
Indicates whether or not the corporate user must select an
offset account for each
•
Batch
•
Transaction entry within a batch
Offset Account
Offset account associated with the batch. This field displays
only if the offset creation level for the transaction type code is
Transaction.
Discretionary Data/Payment
Type
The transaction type code associated with the batch template
controls whether the system uses the information in this field
as discretionary data or a payment type. Maximum 2
alphanumeric characters.
For the transaction type code WEB+DO, this field is Payment
Type. Options are
•
Recurring
•
Single (one-time payment)
Transaction Summary
Totals section
Debits
Total number of debit entries in the batch and the total
monetary amount for the debit entries
Credits
Total number of credit entries in the batch and the total
monetary amount for the credit entries
Prenotes
Total number of prenotes associated with the batch
Zero Dollar State
Total number of transaction entries in the batch with a zero
dollar state
Frozen
Total number of frozen entries in the batch and the total
monetary amount for the frozen entries
Zero Amount Active
Total number of transaction entries in the batch with an entry
status of active and with zero amounts
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Field Name
Description
Activity section
Effective Entry Date
Effective entry date for the batch
Customer Trace
Unique trace number the customer assigned to the activated
batch
Bank Trace
Unique trace number the system assigned to the approved
batch
Activated
Date and time the batch was activated
Activated By
User who activated the batch
Approved
Date and time the batch was approved
Approved By
User who approved the batch
Search Transaction
Entries section
Filter By
List of options you can use to search for specific transaction
entries. The filter you select controls the information you must
enter in the Filter From and Filter To fields. Options are
•
Account Number
•
Amount
•
Bank ABA
•
Disc. Data/Payment Type
•
No Filter
•
Participant ID
•
Participant Name
•
Receiver’s Account Number
•
Receiver’s Bank ID
•
State
Examples: To display only
•
Active entries on the page, select the State filter and enter
Active in the Filter From and Filter To fields.
•
Participants with first names that begin with the letter B,
select the Participant Name filter and enter B in the Filter
From and Filter To fields.
•
Entries with amounts of $1000 or less, select the Amount
filter, enter 0 in the Filter From field and 1000 in the
Filter To field.
Note: The Receiver’s Account Number and Receiver’s
Bank ID display in the list only for cross-border transaction
type codes and replace the Bank ABA and Account Number
values.
Default is No Filter
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Field Name
From
Description
Beginning item of the range of items for which you want to
search transaction entries. The value you select in the Filter
field controls the information you must enter in the Filter From
and Filter To fields. If you select
•
Account Number, enter a full or partial account number in
both Filter From and Filter To fields
•
Amount, enter a numeric value in both Filter From and
Filter To fields
•
Bank ABA, enter a complete, valid ABA number in both
Filter From and Filter To fields
•
Disc. Data/Payment Type, enter information in both Filter
From and Filter To fields that is no more than two
characters long
•
No Filter, the system clears the entries in both Filter From
and Filter To fields
•
Participant ID, enter a full or partial ID in both Filter From
and Filter To fields
•
Participant Name, enter a full or partial name in both Filter
From and Filter To fields
•
Receiver’s Account Number, enter a full or partial account
number in both Filter From and Filter To fields
•
Receiver’s Bank ID, enter a complete receiver’s bank ID in
both Filter From and Filter To fields
•
State, enter Active, Frozen, or Prenote in both Filter From
and Filter To fields
To
Ending item of the range of items for which you want to search
transaction entries
Sort By
Drop-down selection list of options you can use to search for
specific transaction entries. Options are:
Display Preferences
•
Batch Name
•
Bank Trace Number
•
Customer Trace Number
•
Company Code
•
Company Name
•
Batch Code
•
Status
•
Participant Name
Drop-down selection list of options you can use to specify how
you want the transaction entries to display. Options are:
•
All entries
•
10 entries per page
•
25 entries per page
•
50 entries per page
Transaction Entries
section
Entry
Number of the transaction entry in the batch
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Field Name
Description
Credit/Debit
Indicates whether the transaction entry is a credit or debit for
CD batches only
Name
Name of the transaction entry associated with the batch
ID Number
Identifier for the transaction entry, who is the person sending
or receiving the entry, or for RCK, the serial number of the
check
Bank
Routing transit number that identifies the receiving financial
institution for the transaction entry
Account
Account number for the transaction entry
Type
Account types. Options are:
•
Checking - for a demand deposit account
•
Savings - for a savings account
•
Gen Ledger - for a general ledger account
•
Loan - for a loan account; available only for credit entries
Notes:
•
The Loan account type is available only for credit entries.
•
The Gen Ledger and Loan options are only valid for the
following transaction type codes:
•
Cash concentration or disbursement (CCD)
•
Prearranged payment and deposit (PPD)
Amount
Monetary amount of the transaction entry
Disc
The transaction type code associated with the batch template
controls whether the system uses the information in this field
as discretionary data or a payment type. Maximum 2
alphanumeric characters.
For the transaction type code WEB+DO, this field is Payment
Type. Options are
State
•
Recurring
•
Single (one-time payment)
Current processing status of the transaction entry. Options are
•
Active, the system includes the entry in the ACH file
•
Frozen, the system does not include the entry in the ACH
file
•
Prenote, the system includes the entry in the ACH file, but
sets the amount to $0.00. After the batch is approved and
the ACH cutoff process completes, the system changes the
state to Active
•
Zero Dollar, the system includes the entry in the ACH file,
but sets the amount to $0.00.
Zero Dollar state applies to the following transaction type codes
only:
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•
CCD+CO
•
CCD+DO
•
CCD+CD
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ACH Report
Field Name
Description
Offset Account
Offset account associated with the transaction entry. This field
displays only if the offset creation level for the transaction type
code is Transaction.
Addendum
Additional information for the entry, such as state or local tax
information. This field displays only if the transaction type code
for the batch supports addenda.
Buttons
Button
Description
Display Entries
Searches for transaction entries that match your criteria and
displays them in the Transaction Entries section
Save Search Settings
Saves your search settings for the batch selected without generating
audit or billing messages
Previous
Displays the previous set of transaction entries when the number of
entries in the batch exceeds one page
Next
Displays the next set of transaction entries when the number of
entries in the batch exceeds one page
Return to Batch
Selection Page
Displays the ACH Report page
Print this Page
Sends the displayed page to your printer
ACH Delete Confirmation Summary Page
ACH Delete Confirmation Summary Page
Use this page to review
•
The confirmation information for deleted batches
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•
Any error or warning messages.
Fields
Field Name
Description
Bank Tr. No
Unique number the system assigned to the approved batch
Cust Tr. No
Unique number the system assigned to an activated batch
Company
ID and name for the ACH company associated with the batch
Batch
Batch name and number
Debit
Total number of debit entries in the batch and the total dollar
amount for the debit entries
Credit
Total number of credit entries in the batch and the total dollar
amount for the credit entries
Entries
Total number of entries in the batch
Status
Deleted status for the batch. The approved batch was deleted prior
to cutoff
Effective Entry Date
Effective entry date for the batch, which is the date the bank posts
the transactions to customers’ accounts
Button
The ACH Delete Confirmation Summary page contains the Continue button. Click this
button to close the ACH Batch Delete Confirmation Summary page and open the ACH
Summary Report page.
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13. ACH Exception Reporting
About ACH Exception Reporting
Use the ACH Exception Report service to request and display summary and detailed
information for ACH batches with recurring payments and errors found during
processing.
ACH Exception Report Selection Page
ACH Exception Report Selection
Use this page to set options for generating an ACH Exception Report with ACH batches
that include recurring payments and errors found during processing.
To help you efficiently identify information for the report, you can search for one or more
specific ACH companies by filtering the list by batch code or batch name.
Fields
Field Name
Description
Header section (not
labeled)
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Field Name
User, date, and time
Description
Identifier for the user logged on to the system, the current date, and
the current time
Search section
Available Companies
Drop-down selection list of ACH companies to which you have
permission
Filter By Batch Code
Limits the display of batches to those associated with this batch
code. Maximum 12 alphanumeric characters
Filter By Batch Name
Limits the display of batches to those associated with this batch
name. Maximum 12 alphanumeric characters. The system filters the
displayed batch list by the first character of the batch name.
Available Recurring
Batch section
Batches available for reporting that match your search criteria for
the selected company. Displays only for corporate users, not bank
users
Company ID
Identifier for the ACH Company
Batch
Identifiers for the batches you are permitted to access
Batch Name
Name for the batch
Report Criteria
section
Type of Date
Drop-down selection list of the types of dates you can use to filter
the report. Options are:
•
Activation - date the batch was activated
•
Effective Entry Date - date the bank posts the transactions to
customer accounts
The default is Effective Entry Date.
From Date and To Date
Range of dates to display on the ACH Exception Report. The From
date must be the same as or before the To date. You can enter the
date manually or click the calendar to select a date.
Exceptions Reasons
Drop-down selection list of reasons why batches with recurring
payments had errors. Options are:
•
Invalid Permissions
•
Limits Error
•
Possible Duplicate Error
•
Invalid State Error
•
System Error
•
Other Errors
Characteristics
section
Group By
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ACH Exception Reporting
Drop-down selection list to specify how you want to group batches
on which you are reporting. Options are:
•
Exception Reasons
•
Company
•
Effective Entry Date
•
Activation Date
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ACH Exception Reporting
Buttons
Button
Description
Search
Identifies ACH batches created for the ACH company selected from
the Available Companies drop-down selection list
Select All
Activates all batches displayed in the Available Recurring Batches
section so you can include them on an ACH exception report
Displays calendar for you to select range of dates for which you
want to generate an ACH report
Calendar
Submit
Displays the ACH Exception Report page with the information you
requested for recurring payments and errors found during
processing
Clear
Removes entries from fields and displays default values
ACH Exception Report Page
ACH Exception Report Page
Use this page to review
•
Summary information for batches with recurring payments that did not process
correctly when activation was automatically run.
•
Descriptions of details that caused errors in the batches. You cannot change
information on this page.
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The ACH Exception Report page provides the total number of batches and the debit and
credit items and amounts. The report is sorted by batch ID within a group.
If the system modifies the effective entry date for a batch, the date is highlighted and the
following message displays:
Highlighted Eff Entry Date indicates a system modification
For information about permitting corporate users to perform recurring payments, see
Chapter 2: ACH Settings.
Fields
Field Name
Description
Header section (not
labeled)
User, date, and time
Identifier for the user logged on to the system, the current date, and
the current time
Bank Name
Name of the bank associated with the report information
Report Summaries
Type of date/report
date
Type of date for the report (Activation or Effective Entry) and the
date the report was generated
Company
Identifier for the ACH Company associated with the batch
Company Name
Name for the ACH Company associated with the batch
Batch
Identifier for the batch
Batch Name
Identifier for the batch name
Tran Type
Identifier for the type of transaction in the batch composed of
Standard Entry Class (SEC) codes and transaction formats
Eff Entry Date
Date the bank posts the transactions to customer accounts. The
value in this field appears in the Effective Entry Date field on the
ACH Header record (5 record).
Debit
Total number of active debit entries in the batch and the total
monetary amount for the active debit entries
Credit
Total number of active credit entries in the batch and the total
monetary amount for the active credit entries
Error Details section
Descriptions of the errors that caused the batch with recurring
payments to fail during the automatic activation process. Bank users
can view exceptions related to one or more corporate customers.
Corporate users can view errors related to one or more ACH
companies.
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ACH Exception Reporting
Buttons
Button
Description
+ --
Expand/Collapse icon. Plus sign (+) expands the Error Detail section
of the page, and minus sign (-) closes the Error Detail section of the
page
Return to ACH
Exception Report
Selection Page
Displays the ACH Exception Report Selection page
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Appendix A: ACH Transaction
Type Codes
Transaction Type Codes Table
The following table lists the transaction type codes delivered with the ACH product.
Code
Addenda
Description
CBR+CO
Required
Corporate cross-border payment, credits only
CBR+DO
Required
Corporate cross-border payment, debits only
CCD+CD
Allowed
Cash concentration or disbursement, credits and debits
CCD+CO
Allowed
Cash concentration or disbursement, credits only
CCD+DO
Allowed
Cash concentration or disbursement, debits only
CCDCD
No
Cash concentration or disbursement, credits and debits
CCDCO
No
Cash concentration or disbursement, credits only
CCDDO
No
Cash concentration or disbursement, debits only
PAYCO
No
Prearranged payment and deposit, credits only
PBR+CO
Required
Consumer cross-border payment, credits only
PBR+DO
Required
Consumer cross-border payment, debits only
PPD+CD
Allowed
Prearranged payment and deposit, credits and debits
PPD+CO
Allowed
Prearranged payment and deposit, credits only
PPD+DO
Allowed
Prearranged payment and deposit, debits only
PPDCD
No
Prearranged payment and deposit, credits and debits
PPDCO
No
Prearranged payment and deposit, credits only
PPDDO
No
Prearranged payment and deposit, debits only
RCKDO
No
Represented check entries, debits only
SBACO
Required
Small business administration, credit only
TAXCO
Required
Cash concentration or disbursement, credits only
TELDO
No
Telephone-initiated entry, debit only
TELCO
No
Telephone-initiated entry, credit only (used only for
reversals)
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Code
WEB+DO
Addenda
Allowed
Description
Internet-initiated entry, debits only
Note: The PAYCO and TAXCO transaction type codes are available only for the
Consolidated Payments product. For more information, see the Consolidated Payments
Reference Guide.
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Appendix B: ACH File Formats
About ACH File Formats
This Appendix contains the ACH file formats that the ACH product supports for batch
transactions.
About ACH File Formats
The ACH product uses the file record formats to
•
Build ACH files
•
Validate import and pass-thru ACH files.
Cutoff-Generated NACHA File Formats
Each ACH file contains several different types of records. Each record contains specific
information for the ACH file. The ACH record types are:
•
File header record - Also known as a 1 record. Each ACH file must contain
only one file header record. However, if the ACH file format setting for the
leadbank is Single File per Leadbank (Separate Customer Files), the ACH file
must contain one file header record for each customer.
•
Batch header record - Also known as a 5 record. An ACH file must contain at
least one batch header record. For each batch header record, the ACH file must
contain one corresponding batch control record.
•
Entry detail record - Also known as a 6 record. The entry detail records in an
ACH file are grouped within a batch header record and a batch control record.
Each batch in an ACH file can contain one or more entry detail records.
•
Addenda record - Also known as a 7 record. The ACH file can contain only
one addenda record for each entry detail record. Each addenda record must
follow its associated entry detail record.
•
Batch control record - Also known as an 8 record. An ACH file must contain
one batch control record for every batch header record.
•
File control record - Also known as a 9 record. Each ACH file must contain
only one file control record. However, if the ACH file format setting for the
leadbank is Single File per Leadbank (Separate Customer Files), the ACH file
must contain one file control record for each customer.
If you want to export a NACHA file, the resulting file is a standard NACHA formatted
file that you can import back into the system using ACH Import.
Record Size
The system adds one carriage return (Hex OD) and one line feed (Hex OA) to the end of
every
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record in an ACH file, which causes every record in the ACH file to be 96 characters in
length.
The bank must remove these extra characters.
Record Formats
The ACH product supports the following record formats. These formats conform to the
formats defined in the 2001 NACHA ACH Rules Guide. The supported record formats
are:
•
File Header Format (1 record)
•
Standard Batch Header Format (CCD, CTX, PPD, RCK, WEB)
•
Cross-Border Batch Header Format (CBR and PBR)
•
CBR Entry Detail Format
•
CCD Entry Detail Format
•
CTX Entry Detail Format (Pass-Thru Only)
•
PBR Entry Detail Format
•
PPD Entry Detail Format
•
RCK Entry Detail Format
•
WEB Entry Detail Format
•
Standard Addenda Format (CCD, CTX, PPD, WEB)
•
Cross-Border Addenda Format (CBR and PBR)
•
Batch Control (Trailer) Format (8 record)
•
CSV File Format Sample (9 record)
•
NACHA File Report Sample
Consolidated Payments
The system uses ACH file formats to process payment requests from the Consolidated
Payments product. For more information, see the Consolidated Payments Reference
Guide.
Corporate Trade Exchange (CTX)
The system supports the Corporate Trade Exchange (CTX) SEC code only for pass-thru
files. For more information about pass-thru files, see the ACH User Guide.
Mandatory and Required Fields
For each record format, the information in the Required column indicates whether the
field is:
•
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ACH File Formats
Mandatory - The record must contain this field. If a mandatory field is missing
or incorrect, the ACH file fails at the ACH operator.
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ACH File Formats
•
Required - The record should contain this field. If a required field is missing or
incorrect, the ACH operator does not fail the ACH file, but the receiving
depository financial institution (RDFI) could reject the record.
•
Optional - The record does not have to contain this field.
CSV File Format
The CSV File format is a comma-separated value file. This file format allows you to
easily sort and manipulate bank data. If you export a CSV file, you can then import the
resulting file back into the system using ACH Import, provided you set up a map
definition for CSV files in the ACH Map Definition service. For information see Chapter
9: ACH Map Definition.
File Header Format
Following is the format for ACH header records.
Field
Record
Type Code
Length
Position
Required
1
01-01
Mandatory
Description
Indicates the record is the file header.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to 1.
Validation - For import and pass-thru, this
field must contain the value 1. Otherwise, the
system issues an error.
Priority
Code
2
02-03
Required
Indicates the processing priority for the ACH
file.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to 01.
Validation - For import and pass-thru, this
field must contain the value 01. Otherwise, the
system issues an error.
Immediate
Destination
10
04-13
Mandatory
Indicates the immediate destination for the
ACH file.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to the
value in the Immediate Destination field on the
ACH Settings page.
Validation - For import, there is no validation.
For pass-thru, this field must contain a value.
Otherwise, the system issues a warning.
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Field
Immediate
Origin
Length
Position
Required
Description
10
14-23
Mandatory
Indicates the immediate origin for the ACH file.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
either the
•
End point code (if the corporate customer is
associated with an end point), or
•
Value in the Immediate Origin field on the
ACH Settings page.
Validation - For import, there is no validation.
For pass-thru, this field must contain a value.
Otherwise, the system issues a warning.
File
Creation
Date
6
24-29
Mandatory
Indicates the date the ACH file was built.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to the
current system date using the YYMMDD format.
Validation - For import and pass-thru, this
field must contain a valid date using the
YYMMDD format. Otherwise, the system issues
a warning for import and an error for passthru.
File
Creation
Time
4
30-33
Optional
Indicates the time the ACH file was built.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to the
current system time using the HHMM format.
Validation - For import and pass-thru, this
field must contain a valid time using the HHMM
format. Otherwise, the system issues a warning
for import and pass-thru.
File ID
Modifier
1
34-34
Mandatory
Indicates the system-assigned identifier for the
leadbank. This identifier increments
sequentially during the processing day from A
through Z, and then, from 0 through 9.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to the
incremental identifier assigned to the leadbank.
Validation - For import and pass-thru, this
field must contain a value of A through Z or 0
through 9. Otherwise, the system issues a
warning for import and an error for pass-thru.
Rule: The value A through Z must be in
uppercase text.
Record
Size
3
35-37
Mandatory
Indicates the number of characters contained in
the record.
ACH File Creation - When the system builds the
ACH file, it sets the value in this field to 094.
Validation - For import and pass-thru, this field
must contain the value 094. Otherwise, the
system issues a warning for import and an
error for pass-thru.
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ACH File Formats
Field
Blocking
Factor
Length
Position
Required
Description
2
38-39
Mandatory
Indicates the number of physical records within
a block.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to 10.
Validation - For import and pass-thru, this
field must contain the value 10. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Format
Code
1
40-40
Mandatory
This field is reserved for future format changes.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to 1.
Validation - For import and pass-thru, this
field must contain the value 1. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Immediate
Destination
Name
23
41-63
Optional
Indicates the immediate destination name for
the ACH file.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to the
value in the Destination Name field on the ACH
Settings page.
Validation - For import and pass-thru, there is
no validation.
Immediate
Origin
Name
23
64-86
Optional
Indicates the immediate origin name for the
ACH file.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to the
value in the Originator Name field on the ACH
Settings page.
Validation - For import and pass-thru, there is
no validation.
Reference
Code
8
87-94
Optional
Indicates information that is relevant to the
originator.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to the
value in the Reference Code field on the ACH
Settings page.
Validation - For import and pass-thru, there is
no validation.
Standard Batch Header Format
Following is the format for standard ACH batch header records (CCD, CTX, PPD, RCK,
and WEB).
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Field
Record Type
Code
Length
Position
Required
1
01-01
Mandatory
Description
Indicates the record is a batch header. This
field must contain the value 5.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
5.
Validation - For import and pass-thru, this
field must contain the value 5. Otherwise, the
system
Service
Class Code
3
02-02
Mandatory
•
Skips the following records until the next
5 record is found for import
•
Issues an error for pass-thru.
Indicates the service class code for the batch.
This field must contain one of the following
values:
•
200 - batch contains credits and debits
•
220 - batch contains only credits
•
225 - batch contains only debits
ACH File Creation - When the system builds
the ACH file, it uses the transaction type from
the batch or payment request to determine
the value for this field.
Validation - For import and pass-thru, this
field must contain one of the valid values and
must match the value in the Service Class
Code field in the batch control record (8
record). Otherwise, the system
Company
Name
16
05-20
Mandatory
•
Skips the entire batch and issues an error
for import
•
Issues an error for pass-thru, which fails
the file.
Indicates the ACH company name associated
with the batch or payment request.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the ACH company associated with the batch
or payment request.
Validation - For import there is no
validation. For pass-thru this field must
contain a value. Otherwise, the system issues
an error.
Company
Discretionary
Data
20
21-40
Optional
Indicates additional information that
describes the batch.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Company Discretionary Data
field from the batch.
Validation - For import and pass-thru, there
is no validation.
Consolidated Payments - This field is not
used for payment requests.
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ACH File Formats
Field
Company
Identification
Length
Position
Required
10
41-50
Mandatory
Description
Indicates the ACH company ID associated
with the batch or payment request.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Company field from the batch
or payment request.
Validation - For import, the system verifies
that the value in this field is a valid company
identifier in the system and that it matches
the value in the Company Identification field
in the batch control record (8 record).
Otherwise, the system skips the entire batch
and issues an error.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Rule: If the SEC code for the batch is SBA,
this field must contain the value
1999999999.
Standard
Entry Class
Code
3
51-53
Mandatory
Indicates the SEC code. This field must
contain one of the following SEC codes:
•
CCD (also used for SBA)
•
CTX (for pass-thru only)
•
PPD
•
WEB
ACH File Creation - When the system builds
the ACH file, it uses the transaction type from
the batch or payment request to determine
the value for this field.
Validation - For import and pass-thru, this
field must contain one of the valid values.
Otherwise, the system fails the entire
Company
Entry
Description
10
54-63
Mandatory
•
Batch and issues an error for import
•
ACH file for pass-thru
Indicates the batch description associated
with the batch.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Company Entry Description
field from the batch.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Rules: If the SEC code for the
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•
Batch is SBA, this field must contain the
value GTE FEE
•
Payment request is PAYCO or TAXCO, this
field must contain the value Payment.
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Field
Company
Descriptive
Date
Length
Position
Required
6
64-69
Optional
Description
Indicates the descriptive date associated with
the batch.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Descriptive Date field on the
Available Batch Templates page.
Validation - For import and pass-thru, there
is no validation.
Consolidated Payments - This field is not
used for payment requests.
Effective
Entry Date
6
70-75
Required
Indicates the effective entry date associated
with the batch or payment request. This field
must use the YYMMDD format.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the
•
Effective Entry Date field on the Available
Batch Template page for batches
•
Date field on the Payroll Payments Entry
page or the Tax Payments Entry page for
payment requests.
Validation - For import and pass-thru, this
field must contain a valid date that uses the
YYDMMDD format. Otherwise, the system
issues a warning for import and pass-thru.
Settlement
Date
Originator
Status Code
3
1
76-78
79-79
Leave this
field
blank. The
receiving
ACH
operator
must
complete
this field.
This field is blank.
Mandatory
Indicates the type of originator for the batch
or payment request. This field must contain
one of the following values:
ACH File Creation - When the system builds
the ACH file, it leaves this field blank.
Validation - For import, there is no
validation. For pass-thru, this field must be
blank. Otherwise, the system issues a
warning.
•
1 - originator is a depository financial
institution
•
2 - originator is a federal government
entity or agency
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
1.
Validation - For import and pass-thru, this
field must contain a 1 or a 2. Otherwise, the
system issues an error.
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ACH File Formats
Field
Originating
DFI
Identification
Length
Position
Required
8
80-87
Mandatory
Description
Indicates the routing number for the
originator.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the ODFI Routing Number field
on the ACH Settings page.
Validation - For import, there is no
validation. For pass-thru, the value in this
field must match the value in the Originating
DFI Identification field on the batch control
record (8 record). Otherwise, the system
issues an error.
Batch
Number
7
88-94
Mandatory
Indicates the ascending sequential number
the ODFI assigned to the batch or payment
request.
ACH File Creation - When the system builds
the ACH file, it generates the value for this
field.
Validation - For import, there is no
validation.
For pass-thru, the value in this field must
•
Match the value in the Batch Number field
on the batch control record (8 record)
•
Be unique from the batch numbers of
other batches on the ACH pass-thru file.
You must assign a unique, ascending
number to each batch on the ACH passthru file. The system does permit gaps in
the sequence of batch numbers, such as
0000001, 0000005, 0000010.
Otherwise, the system issues an error.
Cross-Border Batch Header Format
Following is the format for ACH cross-border header records.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
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Automated Clearing House (ACH) Reference Guide
Field
Record Type
Code
Length
Position
Required
1
01-01
Mandatory
Description
Indicates the record is a batch header. This
field must contain the value 5.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
5.
Validation - For import and pass-thru, this
field must contain the value 5. Otherwise, the
system
Service
Class Code
3
02-04
Mandatory
•
Skips the following records until the next
5 record is found for import
•
Issues an error for pass-thru.
Indicates the service class code for the batch.
This field can contain one of the following
values:
•
200 - contains credits and debits
•
220 - contains only credits
•
225 - contains only debits
ACH File Creation - When the system builds
the ACH file, it uses the transaction type from
the batch to determine the value for this
field.
Validation - For import and pass-thru, this
field must
•
Contain the value 220 or 225
•
Cross-validate with the value in the
Transaction Code field in the entry detail
record (6 record)
•
Match the value in the Service Class Code
field in the batch control record (8
record).
Otherwise, the system
Company
Name
16
05-20
Mandatory
•
Skips the entire batch
•
Issues an error for import and pass-thru,
which fails the file.
Indicates the ACH company name associated
with the batch.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the ACH company associated with the batch.
Validation - For import there is no
validation. For pass-thru this field must
contain a value. Otherwise, the system issues
an error.
180
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ACH File Formats
Field
Foreign
Exchange
Indicator
Length
Position
Required
2
21-22
Required
Description
Indicates the foreign exchange indicator
associated with the batch. This field must
contain one of the following values:
•
FF - fixed-to-fixed
•
FV - fixed-to-variable
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Foreign Exchange Indicator
field from the batch.
Validation - For import and pass-thru, this
field must contain the value FF or FV.
Otherwise, the system issues an error.
Foreign
Exchange
Reference
Indicator
1
23-23
Required
Indicates the type of information in the
Foreign Exchange Reference field. This field
must contain the value 3 (the Foreign
Exchange Reference field contains spaces).
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
3.
Validation - For import, there is no
validation. For pass-thru, this field must
contain the value 3. Otherwise, the system
issues an error.
Foreign
Exchange
Reference
15
24-38
Required
This field must contain spaces.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
spaces.
Validation - For import and pass-thru, there
is no validation.
ISO
Destination
Country
Code
2
39-40
Required
Indicates the batch receiver's country.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Destination Country field
from the batch.
Validation - For import and pass-thru, the
value in this field must match one of the
country codes in the list of destination
countries on the Batch Data Entry page.
Otherwise, the system issues an error.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
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Field
Company
Identification
Length
Position
Required
10
41-50
Mandatory
Description
Indicates the ACH company ID associated
with the batch.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Company field from the
batch.
Validation - For import, the system verifies
that the value in this field is a valid company
identifier in the system and it matches the
value in the Company Identification field in
the batch control record (8 record).
Otherwise, the system skips the entire batch
and issues an error.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Standard
Entry Class
Code
3
51-53
Mandatory
Indicates the SEC code. This field must
contain the value CBR or PBR.
ACH File Creation - When the system builds
the ACH file, it uses the transaction type from
the batch to determine the value for this
field.
Validation - For import and pass-thru, this
field must contain the value CBR or PBR.
Otherwise, the system
Company
Entry
Description
10
54-63
Mandatory
•
Skips the entire batch and issues an error
for import
•
Fails the entire ACH file for pass-thru.
Indicates the batch description associated
with the batch.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Company Entry Description
field from the batch.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
ISO
Originating
Currency
Code
3
64-66
Required
Indicates the 3-character ISO code for the
originating currency. This field must contain
the value USD.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Originating Currency field
from the batch, which is always USD.
Validation - For import and pass-thru, this
field must contain the value USD. Otherwise,
the system issues a warning for import and
an error for pass-thru.
182
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ACH File Formats
Field
ISO
Destination
Currency
Code
Length
Position
Required
3
67-69
Required
Description
Indicates the 3-character ISO code for the
destination currency.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Destination Currency field
from the batch.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Effective
Entry Date
6
70-75
Required
Indicates the effective entry date associated
with the batch. This field must use the
YYMMDD format.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Effective Entry Date field on
the Available Batch Template page.
Validation - For import and pass-thru, this
field must contain a valid date that uses the
YYMMDD format. Otherwise, the system
issues a warning.
Settlement
Date
Originator
Status Code
3
1
76-78
79-79
Leave this
field
blank. The
receiving
ACH
operator
must
complete
this field.
Mandatory
This field is blank.
ACH File Creation - When the system builds
the ACH file, it leaves this field blank.
Validation - For import, there is no
validation. For pass-thru, this field must be
blank. Otherwise, the system issues a
warning.
Indicates the type of originator for the batch.
This field must contain one of the following
values:
•
1 - originator is a depository financial
institution
•
2 - originator is a federal government
entity or agency
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
1.
Validation - For import and pass-thru, this
field must contain a 1 or a 2. Otherwise, the
system issues an error.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
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Automated Clearing House (ACH) Reference Guide
Field
Originating
DFI
Identification
Length
Position
Required
8
80-87
Mandatory
Description
Indicates the routing number for the
originator.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the ODFI Routing Number field
on the ACH Settings page.
Validation - For import, there is no
validation. For pass-thru, the value in this
field must match the value in the Originating
DFI Identification field on the batch control
record (8 record). Otherwise, the system
issues an error.
Batch
Number
7
88-94
Mandatory
Indicates the ascending sequential number
the ODFI assigned to the batch.
ACH File Creation - When the system builds
the ACH file, it generates the value for this
field.
Validation - For import, there is no
validation.
For pass-thru, the value in this field must
•
Match the value in the Batch Number field
on the batch control record (8 record)
•
Be unique from the batch numbers of
other batches on the ACH pass-thru file.
You must assign a unique, ascending
number to each batch on the ACH passthru file. The system does permit gaps in
the sequence of batch numbers, such as
0000001, 0000005, 0000010.
Otherwise, the system issues an error.
CBR Entry Detail Format
Following is the format for ACH CBR Entry Detail records.
184
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ACH File Formats
Field
Record Type
Code
Length
Position
Required
Description
1
01-01
Mandatory
Indicates the record is an entry detail record.
This field must contain the value 6.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
6.
Validation - For import and pass-thru, this
field must contain the value 6. Otherwise, the
system
•
Skips the following records until the next
6 record is found for import
•
Issues an error for pass-thru.
Rule: The first entry detail record (6 record)
in a batch must immediately follow a batch
header record (5 record).
Transaction
Code
2
02-03
Mandatory
Indicates the type of debit or credit entry.
This field must contain one of the following
values:
DDA Codes
•
22 - automated deposit
•
27 - automated payment
Savings Codes
•
32 - automated deposit
•
37 - automated payment
ACH File Creation - When the system builds
the ACH file, it uses the transaction type from
the batch to determine the value for this
field.
Validation - For import and pass-thru, this
field must contain a valid value. Otherwise,
the system issues an error.
Receiving
DFI or OGO
Identification
8
04-11
Mandatory
Indicates the routing transit number for the
foreign receiving depository institution for the
entry.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the first 8 digits of the Originating Gateway
Operator field in the Countries service. For
more information, see the e-Commerce
Platform Reference Guide.
Validation - For import and pass-thru, this
field must contain a valid 8-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru. This value
and the value in the Check Digit field must
pass a Mod-10 check digit.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
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Automated Clearing House (ACH) Reference Guide
Field
Check Digit
Length
Position
Required
1
12-12
Mandatory
Description
Indicates the check digit derived from the
value in the Receiving DFI or OGO
Identification field.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the ninth digit of the Originating Gateway
Operator field in the Countries service. For
more information, see the e-Commerce
Platform Reference Guide.
Validation - For import and pass-thru, this
field must contain a valid 1-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru.
DFI Account
Number
17
13-29
Required
Indicates the account number for the
participant at the financial institution.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the Receiver’s Account Number field from the
batch entry.
Validation - For import, this field must
contain only numbers, letters, and hyphens.
If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Amount
10
30-39
Mandatory
ndicates the amount for the entry. This is a
monetary ($$$$$$$$$$¢¢), right-justified,
and zero-filled field.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Amount field from the batch
entry.
Validation - For import, this field must
contain 10 numeric characters. If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain 10
numeric characters. Otherwise, the system
issues an error.
186
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Confidential and Proprietary
ACH File Formats
Field
Identification
Number
Length
Position
Required
15
40-54
Optional
Description
Indicates the identifier for the participant.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the ID Number field from the
batch entry.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Receiving
Company
Name
22
55-76
Required
Indicates the name for the participant.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Name field from the batch
entry.
Validation - For import and pass-thru, this
field must contain a value. If the field is
blank, the system
Discretionary
Data
2
77-78
Optional
•
Skips the record
•
Skips the associated addenda record (7
record)
•
Fails the record.
Indicates discretionary data for the entry.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
the value in the Disc. field from the batch
entry.
Validation - For import and pass-thru, there
is no validation.
Addenda
Record
Indicator
1
79-79
Mandatory
Indicates whether the entry contains an
addendum record. This field must contain the
value 1 (the entry contains an addendum
record).
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
1.
Validation - For import there is no
validation. For pass-thru, this field must
contain the value 1. Otherwise, the system
issues an error.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
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Automated Clearing House (ACH) Reference Guide
Field
Trace
Number
Length
Position
Required
15
80-94
Mandatory
Description
Indicates the unique trace number for the
entry in the batch.
ACH File Creation - When the system builds
the ACH file, it sets the value in this field to
•
The first 8 characters from the value in
the ODFI Routing Number field on the
ACH Settings page
•
A 7-digit sequential trace number for the
entry.
Validation - For import, there is no
validation. However, the value in this field
must match the value in the Trace Number
field in the addenda record (7 record).
Otherwise, the system issues a warning.
For pass-thru, the
•
First 8 digits in this field must match the
value in the Originating DFI Identification
field in the batch header record (5
record) and the batch control record (8
record)
•
Remaining 7 digits must contain a
unique, ascending number for each entry
detail record (6 record) in the batch. The
system does permit gaps in the sequence
of the numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an error.
CCD Entry Detail Format
Following is the format for ACH CCD Entry Detail records.
Field
Record Type
Code
Length
Position
Required
Description
1
01-01
Mandatory
Indicates the record is an entry detail record.
This field must contain the value 6.
Validation - For import and pass-thru, this
field must contain the value 6. Otherwise, the
system
Skips the following records until the next 6
record is found for import
Issues an error for pass-thru.
Rule: The first entry detail record (6 record)
in a batch must immediately follow a batch
header record (5 record).
188
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Confidential and Proprietary
ACH File Formats
Field
Transaction
Code
Length
Position
Required
2
02-03
Mandatory
Description
Indicates the type of debit or credit entry.
This field must contain one of the following
values:
DDA Codes
•
•
22 - automated deposit
23 - prenotification of demand credit
authorization; death notification;
automated enrollment entry
•
24 - zero-dollar credit
•
27 - automated payment
•
•
28 - prenotification of demand debit
authorization
29 - zero-dollar debit
Savings Codes
•
•
32 - automated deposit
33 - prenotification of savings credit
authorization
•
34 - zero-dollar credit
•
37 - automated payment
•
•
38 - prenotification of savings debit
authorization
39 - zero-dollar debit
General Ledger Codes
•
•
42 - automated GL deposit
43 - prenotification of GL credit
authorization
•
44 - zero-dollar credit
•
47 - automated GL payment
•
•
48 - prenotification of GL debit
authorization
49 - zero-dollar debit
Loan Codes
•
•
•
•
52 - automated loan deposit
53 - prenotification of loan credit
authorization
54 - zero-dollar credit
Amount and Zero Amount Type fields
from the payment request to determine
the value for this field.
Validation: For import, this field must
contain a valid value. Otherwise, the system
issues an error.
If this field contains a zero-dollar code, the
system issues a warning.
For pass-thru, this field must contain a valid
value. Otherwise the system issues an error.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 22
(automated deposit).
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
189
ACH File Formats
Automated Clearing House (ACH) Reference Guide
Field
Receiving
DFI
Identification
Length
Position
Required
8
04 - 11
Mandatory
Description
Indicates the routing transit number for the
receiving financial institution for the entry or
payment request.
Validation: For import and pass-thru, this
field must contain a valid 8-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru. This value
and the value in the Check Digit field must
pass a Mod-10 check digit.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 05103670.
Check Digit
1
12-12
Mandatory
Indicates the check digit derived from the
value in the Receiving DFI Identification field.
Validation: For import and pass-thru, this
field must contain a valid 1-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 6.
DFI Account
Number
17
13-29
Required
Indicates the account number for the
participant at the financial institution or the
payee.
Validation: For import, this field must
contain only numbers, letters, and hyphens.
If the field contains unauthorized characters,
the system skips the record, skips the
associated addenda record (7 record), and
fails the record is blank, the system loads the
record and issues a warning.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 312012.
Amount
10
30-39
Mandatory
Indicates the amount for the entry or
payment request. This is a monetary
($$$$$$$$$$¢¢), right-justified, and zerofilled field.
Validation - For import, this field must
contain 10 numeric characters. If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain 10
numeric characters. Otherwise, the system
issues an error.
190
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Confidential and Proprietary
ACH File Formats
Field
Identification
Number
Length
Position
Required
15
40-54
Optional
Description
Indicates the identifier for the participant or
the taxpayer ID.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Receiving
Company
Name
22
55-76
Required
Indicates the name for the participant or
payee.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues an error.
Rule: If the SEC code for the batch is SBA,
this field must contain the value SBA.
Discretionary
Data
2
77-78
Optional
Indicates discretionary data for the entry.
Validation - For import and pass-thru, there
is no validation.
Consolidated Payments - This field is not
used for payment requests.
Addenda
Record
Indicator
1
79-79
Mandatory
Indicates whether the entry contains an
addendum record.
Validation - For import and pass-thru, this
field must contain the value
•
0 if the entry does not contain an
addendum record
•
1 if the entry contains an addendum
record.
Otherwise, the system issues an error.
Rule: This field must contain the value 1 if
the SEC code for the
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
•
batch is SBA
•
payment request is TAXCO.
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Automated Clearing House (ACH) Reference Guide
Field
Trace
Number
Length
Position
Required
15
80-94
Mandatory
Description
Indicates the unique trace number for the
entry in the batch or the payment request.
Validation - For import, there is no
validation. However, the value in this field
must match the value in the Trace Number
field in the addenda record (7 record).
Otherwise, the system issues a warning.
For pass-thru, the
•
First 8 digits in this field must match the
value in the Originating DFI Identification
field in the batch header record (5
record) and the batch control record (8
record)
•
Remaining 7 digits must contain a
unique, ascending number for each entry
detail record (6 record) in the batch. The
system does permit gaps in the sequence
of the numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an error.
CTX Entry Detail Format
Following is the format for ACH CTX Entry Detail records.
Field
Record Type
Code
Length
Position
Required
Description
1
01-01
Mandatory
Indicates the record is an entry detail record.
Pass-Thru Validation - This field must
contain the value 6. Otherwise, the system
issues an error.
Rule: The first entry detail record (6 record)
in a batch must immediately follow a batch
header record (5 record).
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ACH File Formats
Field
Transaction
Code
Length
Position
Required
2
02-03
Mandatory
Description
Indicates the type of debit or credit entry.
This field must contain one of the following
values:
DDA Codes
•
•
22 - automated deposit
23 - prenotification of demand credit
authorization; death notification;
automated enrollment entry
•
24 - zero-dollar credit
•
27 - automated payment
•
28 - prenotification of demand debit
authorization
•
29 - zero-dollar debit
Savings Codes
•
•
32 - automated deposit
33 - prenotification of savings credit
authorization
•
34 - zero-dollar credit
•
37 - automated payment
•
•
38 - prenotification of savings debit
authorization
39 - zero-dollar debit
General Ledger Codes
•
•
42 - automated GL deposit
43 - prenotification of GL credit
authorization
•
44 - zero-dollar credit
•
47 - automated GL payment
•
•
48 - prenotification of GL debit
authorization
49 - zero-dollar debit
Loan Codes
•
•
•
•
52 - automated loan deposit
53 - prenotification of loan credit
authorization
54 - zero-dollar credit
Amount and Zero Amount Type fields
from the payment request to determine
the value for this field.
Validation: For import, this field must
contain a valid value. Otherwise, the system
issues an error.
If this field contains a zero-dollar code, the
system issues a warning.
For pass-thru, this field must contain a valid
value. Otherwise the system issues an error.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
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Field
Receiving
DFI
Identification
Length
Position
Required
8
04 - 11
Mandatory
Description
Indicates the routing transit number for the
receiving financial institution for the entry or
payment request.
Validation: For import and pass-thru, this
field must contain a valid 8-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru. This value
and the value in the Check Digit field must
pass a Mod-10 check digit.
Check Digit
1
12-12
Mandatory
Indicates the check digit derived from the
value in the Receiving DFI Identification field.
Validation: For import and pass-thru, this
field must contain a valid 1-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 6.
DFI Account
Number
17
13-29
Required
Indicates the account number for the
participant at the financial institution or the
payee.
Validation: For import, this field must
contain only numbers, letters, and hyphens.
If the field contains unauthorized characters,
the system skips the record, skips the
associated addenda record (7 record), and
fails the record is blank, the system loads the
record and issues a warning.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 312012.
Total
Amount
10
30-39
Mandatory
Indicates the amount for the entry or
payment request. This is a monetary
($$$$$$$$$$¢¢), right-justified, and zerofilled field.
Validation - For import, this field must
contain 10 numeric characters. If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain 10
numeric characters. Otherwise, the system
issues an error.
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Confidential and Proprietary
ACH File Formats
Field
Identification
Number
Length
Position
Required
15
40-54
Optional
Description
Indicates the identifier for the participant or
the taxpayer ID.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Number of
Addenda
Records
4
55-58
Mandatory
Indicates the number of addenda records
associated with the entry.
Pass-Thru Validation - This field must
contain the total number of addenda records
(7 records) associated with the entry.
Otherwise, the system issues an error.
Rule: If the value in the Addenda Record
Indicator field is 0, this field must contain the
value 0000.
Receiving
Company
Name
16
Reserved
2
59-74
Required
Indicates the name for the participant.
Pass-Thru Validation - This field must
contain a value. Otherwise, the system issues
an error.
75-76
N/A
This is filler information and is a blank-filled
field.
Pass-Thru Validation - There is no
validation.
Discretionary
Data
2
Addenda
Record
Indicator
1
77-78
Optional
Indicates discretionary data for the entry.
Validation - There is no validation.
79-79
Mandatory
Indicates whether the entry contains an
addendum record.
Pass-Thru Validation - This field must
contain the value
•
0 - the entry does not contain an
addendum
•
1 - the entry contains an addendum.
Otherwise, the system issues an error.
Copyright © 2008 by Digital Insight, an Intuit company
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Field
Trace
Number
Length
Position
Required
15
80-94
Mandatory
Description
Indicates the unique trace number for the
entry in the batch or the payment request.
Validation - For import, there is no
validation. However, the value in this field
must match the value in the Trace Number
field in the addenda record (7 record).
Otherwise, the system issues a warning.
For pass-thru, the
•
First 8 digits in this field must match the
value in the Originating DFI Identification
field in the batch header record (5
record) and the batch control record (8
record)
•
Remaining 7 digits must contain a
unique, ascending number for each entry
detail record (6 record) in the batch. The
system does permit gaps in the sequence
of the numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an error.
PBR Entry Detail Format
Following is the format for ACH PBR Entry Detail records.
Field
Record Type
Code
Length
Position
Required
Description
1
01-01
Mandatory
Indicates the record is an entry detail record.
Pass-Thru and Import Validation - This
field must contain the value 6. Otherwise, the
system skips the following records until the
next 6 record is found for import and issues
an error for pass-thru.
Rule: The first entry detail record (6 record)
in a batch must immediately follow a batch
header record (5 record).
196
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ACH File Formats
Field
Transaction
Code
Length
Position
Required
2
02-03
Mandatory
Description
Indicates the type of debit or credit entry.
This field must contain one of the following
values:
DDA Codes
•
22 - automated deposit
•
27 - automated payment
Savings Codes
•
32 - automated deposit
•
37 - automated payment
Validation: For import, this field must
contain a valid value. Otherwise, the system
issues an error.
If this field contains a zero-dollar code, the
system issues a warning.
For pass-thru, this field must contain a valid
value. Otherwise the system issues an error.
Receiving
DFI
Identification
8
04 - 11
Mandatory
Indicates the routing transit number for the
receiving depository institution for the entry
or payment request.
Validation: For import and pass-thru, this
field must contain a valid 8-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru. This value
and the value in the Check Digit field must
pass a Mod-10 check digit.
Check Digit
1
12-12
Mandatory
Indicates the check digit derived from the
value in the Receiving DFI or OGO
Identification field.
Validation: For import and pass-thru, this
field must contain a valid 1-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 6.
DFI Account
Number
17
13-29
Required
Indicates the account number for the
participant at the financial institution or the
payee.
Validation: For import, this field must
contain only numbers, letters, and hyphens.
If the field contains unauthorized characters,
the system skips the record, skips the
associated addenda record (7 record), and
fails the record. If the field is blank, the
system loads the record and issues a
warning.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Rule: If the SEC code for the batch is SBA,
this field must contain the value 312012.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
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Field
Amount
Length
Position
Required
10
30-39
Mandatory
Description
Indicates the amount for the entry or
payment request. This is a monetary
($$$$$$$$$$¢¢), right-justified, and zerofilled field.
Validation - For import, this field must
contain 10 numeric characters. If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain 10
numeric characters. Otherwise, the system
issues an error.
Individual
Identification
Number
15
Individual
Name
22
Number of
Addenda
Records
40-54
Optional
Indicates the identifier for the participant or
the taxpayer ID.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
55 - 76
Required
Indicates the name for the participant.
Validation - For import and pass-thru, this
field must contain a value. If the field is
blank, the system
4
55-58
Mandatory
•
Skips the record
•
Skips the associated addenda record (7
record)
•
Fails the record.
Indicates the number of addenda records
associated with the entry.
Pass-Thru Validation - This field must
contain the total number of addenda records
(7 records) associated with the entry.
Otherwise, the system issues an error.
Rule: If the value in the Addenda Record
Indicator field is 0, this field must contain the
value 0000.
Discretionary
Data
198
ACH File Formats
2
77-78
Optional
Indicates discretionary data for the entry.
Validation - For import and pass-thru, there
is no validation.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH File Formats
Field
Addenda
Record
Indicator
Length
Position
Required
Description
1
79-79
Mandatory
Indicates whether the entry contains an
addendum record. This field must contain the
value 1 (the entry contains an addendum
record.)
Validation - For import there is no
validation.
Pass-thru Validation - This field must
contain the value 1. Otherwise, the system
issues an error.
Trace
Number
15
80-94
Mandatory
Indicates the unique trace number for the
entry in the batch or the payment request.
Validation - For import, there is no
validation. However, the value in this field
must match the value in the Trace Number
field in the addenda record (7 record).
Otherwise, the system issues a warning.
For pass-thru, the
•
First 8 digits in this field must match the
value in the Originating DFI Identification
field in the batch header record (5
record) and the batch control record (8
record)
•
Remaining 7 digits must contain a
unique, ascending number for each entry
detail record (6 record) in the batch. The
system does permit gaps in the sequence
of the numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an error.
PPD Entry Detail Format
Following is the format for ACH PPD Entry Detail records.
Field
Record Type
Code
Length
Position
Required
Description
1
01-01
Mandatory
Indicates the record is an entry detail record.
Pass-Thru and Import Validation - This
field must contain the value 6. Otherwise, the
system skips the following records until the
next 6 record is found for import and issues
an error for pass-thru.
Rule: The first entry detail record (6 record)
in a batch must immediately follow a batch
header record (5 record).
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Field
Transaction
Code
Length
Position
Required
2
02-03
Mandatory
Description
Indicates the type of debit or credit entry.
This field must contain one of the following
values:
DDA Codes
•
•
•
•
22 - automated deposit
23 - prenotification of demand credit
authorization; death notification;
automated enrollment entry
27 - automated payment
28 - prenotification of demand debit
authorization
Savings Codes
•
•
32 - automated deposit
33 - prenotification of savings credit
authorization
•
34 - zero-dollar credit
•
37 - automated payment
•
38 - prenotification of savings debit
authorization
General Ledger Codes
•
•
42 - automated GL deposit
43 - prenotification of GL credit
authorization
•
44 - zero-dollar credit
•
47 - automated GL payment
•
48 - prenotification of GL debit
authorization
Loan Codes
•
•
52 - automated loan deposit
53 - prenotification of loan credit
authorization
Validation: For import, this field must
contain a valid value. Otherwise, the system
issues an error.
If this field contains a zero-dollar code, the
system issues a warning.
For pass-thru, this field must contain a valid
value. Otherwise the system issues an error.
Receiving
DFI
Identification
8
04 - 11
Mandatory
Indicates the routing transit number for the
receiving depository institution for the entry
or payment request.
Validation: For import and pass-thru, this
field must contain a valid 8-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru. This value
and the value in the Check Digit field must
pass a Mod-10 check digit.
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ACH File Formats
Field
Check Digit
Length
Position
Required
Description
1
12-12
Mandatory
Indicates the check digit derived from the
value in the Receiving DFI Identification field.
Validation: For import and pass-thru, this
field must contain a valid 1-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru.
DFI Account
Number
17
13-29
Required
Indicates the account number for the
participant at the financial institution or the
payee.
Validation: For import, this field must
contain only numbers, letters, and hyphens.
If the field contains unauthorized characters,
the system skips the record, skips the
associated addenda record (7 record), and
fails the record. If the field is blank, the
system loads the record and issues a
warning.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Amount
10
30-39
Mandatory
Indicates the amount for the entry or
payment request. This is a monetary
($$$$$$$$$$¢¢), right-justified, and zerofilled field.
Validation - For import, this field must
contain 10 numeric characters. If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain 10
numeric characters. Otherwise, the system
issues an error.
Individual
Identification
Number
15
Individual
Name
22
40-54
Optional
Indicates the identifier for the participant or
the taxpayer ID.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
55 - 76
Required
Indicates the name for the participant or
payee.
Validation - For import and pass-thru, this
field must contain a value. If the field is
blank, the system
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
•
Skips the record
•
Skips the associated addenda record (7
record)
•
Fails the record.
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Field
Number of
Addenda
Records
Length
Position
Required
4
55-58
Mandatory
Description
Indicates the number of addenda records
associated with the entry.
Pass-Thru Validation - This field must
contain the total number of addenda records
(7 records) associated with the entry.
Otherwise, the system issues an error.
Rule: If the value in the Addenda Record
Indicator field is 0, this field must contain the
value 0000.
Discretionary
Data
2
77-78
Optional
Indicates discretionary data for the entry.
Validation - For import and pass-thru, there
is no validation.
Consolidated Payments - This field is not
used for payment requests.
Addenda
Record
Indicator
1
79-79
Mandatory
Indicates whether the entry contains an
addendum record. This field must contain the
value 1 (the entry contains an addendum
record.)
Validation - For import and pass-thru, this
field must contain the value
•
0 - the entry does not contain an
addendum record
•
1 - the entry contains an addendum
record.
Otherwise, the system issues an error.
Rule: This field must contain the value 0 if
the SEC code for the payment request is
PAYCO.
Trace
Number
15
80-94
Mandatory
Indicates the unique trace number for the
entry in the batch or the payment request.
Validation - For import, there is no
validation. However, the value in this field
must match the value in the Trace Number
field in the addenda record (7 record).
Otherwise, the system issues a warning.
For pass-thru, the
•
First 8 digits in this field must match the
value in the Originating DFI Identification
field in the batch header record (5
record) and the batch control record (8
record)
•
Remaining 7 digits must contain a
unique, ascending number for each entry
detail record (6 record) in the batch. The
system does permit gaps in the sequence
of the numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an error.
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ACH File Formats
RCK Entry Detail Format
Following is the format for ACH RCK Entry Detail records.
Field
Record Type
Code
Length
Position
Required
Description
1
01-01
Mandatory
Indicates the record is an entry detail record.
This field must contain the value 6.
Validation - For import and pass-thru, this
field must contain the value 6. Otherwise, the
system
•
Skips the following records until the next
6 record is found for import
•
Issues an error for pass-thru.
Rule: The first entry detail record (6 record)
in a batch must immediately follow a batch
header record (5 record).
Transaction
Code
2
02-03
Mandatory
Indicates the type of debit or credit entry.
This field must contain one of the following
values:
DDA Codes
•
22 - automated deposit
•
27 - automated payment
Savings Codes
•
32 - automated deposit
•
37 - automated payment
Validation - For import and pass-thru, this
field must contain a valid value. Otherwise,
the system issues an error.
Receiving
DFI
Identification
8
04 - 11
Mandatory
Indicates the routing transit number for the
foreign receiving depository institution for the
entry.
Validation - For import and pass-thru, this
field must contain a valid 8-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru. This value
and the value in the Check Digit field must
pass a Mod-10 check digit.
Check Digit
1
12-12
Mandatory
Indicates the check digit derived from the
value in the Receiving DFI or OGO
Identification field.
Validation - For import and pass-thru, this
field must contain a valid 1-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru.
Copyright © 2008 by Digital Insight, an Intuit company
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Field
DFI Account
Number
Length
Position
Required
17
13-29
Required
Description
Indicates the account number for the
participant at the financial institution or the
payee.
Validation: For import, this field must
contain only numbers, letters, and hyphens.
If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Amount
10
30-39
Mandatory
Indicates the amount for the entry or
payment request. This is a monetary
($$$$$$$$$$¢¢), right-justified, and zerofilled field.
Validation - For import, this field must
contain 10 numeric characters. If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain 10
numeric characters. Otherwise, the system
issues an error.
Identification
Number
15
40-54
Optional
Indicates the identifier for the participant or
the taxpayer ID.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Receiving
Company
Name
Discretionary
Data
22
55 - 76
Required
Indicates the name for the participant or
payee.
Validation - For import and pass-thru, this
field must contain a value. If the field is
blank, the system
2
77-78
Optional
•
Skips the record
•
Skips the associated addenda record (7
record)
•
Fails the record.
Indicates discretionary data for the entry.
Validation - For import and pass-thru, there
is no validation.
Consolidated Payments - This field is not
used for payment requests.
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Confidential and Proprietary
ACH File Formats
Field
Addenda
Record
Indicator
Length
Position
Required
Description
1
79-79
Mandatory
Indicates whether the entry contains an
addendum record. This field must contain the
value 1 (the entry contains an addendum
record.)
Validation - For import and pass-thru, this
field must contain the value
•
0 if the entry does not contain an
addendum record
•
1 if the entry contains an addendum
record.
Otherwise, the system issues an error.
Trace
Number
15
80-94
Mandatory
Indicates the unique trace number for the
entry in the batch or the payment request.
Validation - For import, there is no
validation. However, the value in this field
must match the value in the Trace Number
field in the addenda record (7 record).
Otherwise, the system issues a warning.
For pass-thru, the
•
First 8 digits in this field must match the
value in the Originating DFI Identification
field in the batch header record (5
record) and the batch control record (8
record)
•
Remaining 7 digits must contain a
unique, ascending number for each entry
detail record (6 record) in the batch. The
system does permit gaps in the sequence
of the numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an error.
WEB Entry Detail Format
Following is the format for ACH WEB Entry Detail records.
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Field
Record Type
Code
Length
Position
Required
Description
1
01-01
Mandatory
Indicates the record is an entry detail record.
This field must contain the value 6.
Validation - For import and pass-thru, this
field must contain the value 6. Otherwise, the
system
•
Skips the following records until the next
6 record is found for import
•
Issues an error for pass-thru.
Rule: The first entry detail record (6 record)
in a batch must immediately follow a batch
header record (5 record).
Transaction
Code
2
02-03
Mandatory
Indicates the type of debit or credit entry.
This field must contain one of the following
values:
DDA Codes
•
27 - automated payment
•
28 - prenotification of demand debit
authorization
Savings Codes
•
37 - automated payment
•
38 - prenotification of savings debit
authorization
Validation - For import and pass-thru, this
field must contain a valid value. Otherwise,
the system issues an error.
Receiving
DFI
Identification
8
04 - 11
Mandatory
Indicates the routing transit number for the
foreign receiving depository institution for the
entry.
Validation - For import and pass-thru, this
field must contain a valid 8-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru. This value
and the value in the Check Digit field must
pass a Mod-10 check digit.
Check Digit
1
12-12
Mandatory
Indicates the check digit derived from the
value in the Receiving DFI or OGO
Identification field.
Validation - For import and pass-thru, this
field must contain a valid 1-digit number.
Otherwise, the system issues a warning for
import and an error for pass-thru.
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Confidential and Proprietary
ACH File Formats
Field
DFI Account
Number
Length
Position
Required
17
13-29
Required
Description
Indicates the account number for the
participant at the financial institution or the
payee.
Validation: For import, this field must
contain only numbers, letters, and hyphens.
If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain a value.
Otherwise, the system issues an error.
Amount
10
30-39
Mandatory
Indicates the amount for the entry or
payment request. This is a monetary
($$$$$$$$$$¢¢), right-justified, and zerofilled field.
Validation - For import, this field must
contain 10 numeric characters. If the field
•
Contains unauthorized characters, the
system skips the record, skips the
associated addenda record (7 record),
and fails the record
•
Is blank, the system loads the record and
issues a warning.
For pass-thru, this field must contain 10
numeric characters. Otherwise, the system
issues an error.
Identification
Number
15
40-54
Optional
Indicates the identifier for the participant or
the taxpayer ID.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues a warning for import and an
error for pass-thru.
Individual
Name
22
55-76
Required
Indicates the name for the participant or
payee.
Validation - For import and pass-thru, this
field must contain a value. Otherwise, the
system issues an error.
Payment
Type Code
2
77-78
Required
Indicates the payment type for the entry.
This field must contain one of the following
values from the Payment Type field on the
batch:
R - Recurring payment
S - Single, one-time payment
Validation - For import and pass-thru, this
field must contain a valid value. Otherwise,
the system issues an error.
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Field
Addenda
Record
Indicator
Length
Position
Required
1
79-79
Mandatory
Description
Indicates whether the entry
contains an addendum record.
This field must contain the
value 1 (the entry contains an
addendum record.)
Validation - For import and
pass-thru, this field must
contain the value
•
0 if the entry does not contain an
addendum record
•
1 if the entry contains an addendum
record.
Otherwise, the system issues
an error.
Trace
Number
15
80-94
Mandatory
Indicates the unique trace number for the
entry in the batch or the payment request.
Validation - For import, there is no
validation. However, the value in this field
must match the value in the Trace Number
field in the addenda record (7 record).
Otherwise, the system issues a warning.
For pass-thru, the
•
First 8 digits in this field must match the
value in the Originating DFI Identification
field in the batch header record (5 record)
and the batch control record (8 record)
•
Remaining 7 digits must contain a unique,
ascending number for each entry detail
record (6 record) in the batch. The
system does permit gaps in the sequence
of the numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an error.
Standard Addenda Format (CCD, CTX, PPD,
WEB)
Following is the format for ACH standard addenda.
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ACH File Formats
Field
Record
Type Code
Length
Position
Required
1
01-01
Mandatory
Description
Indicates the record is an addendum record.
This field must contain the value 7.
Validation - For import, the system verifies
that
•
This field contains the value 7
•
The previous entry detail record (6 record)
contains the value 1 in the Addenda Record
Indicator field.
Otherwise, the system issues a warning.
For pass-thru, this field must contain the value
7. Otherwise, the system issues an error.
Rule: The addenda record (7 record) must
immediately follow the associated entry detail
record (6 record) or another addenda record.
Addenda
Type Code
2
02-03
Mandatory
Indicates the type of addendum. This field
must contain the value 05.
Validation - For import, there is no validation.
For pass-thru, this field must contain the value
05. Otherwise, the system issues an error.
Payment
Related
Information
80
Addenda
Sequence
Number
4
04-83
Mandatory
Indicates the addendum information.
Validation - For import and pass-thru there is
no validation.
84-87
Mandatory
Indicates the sequential number assigned to
each addendum that is associated with the
entry or payment request. The first addendum
must contain the value 0001.
Validation - For import there is no validation.
For pass-thru, this field must contain
•
the value 0001 for the first addenda record
(7 record) following an entry detail record
(6 record)
•
a sequential, ascending number for any
additional addenda records (applies to only
CTX).
Otherwise the system issues an error.
Entry
Detail
Sequence
Number
7
88-94
Mandatory
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Indicates the sequential trace number in the
Trace Number field from the entry detail record
(6 record).
Validation: For import and pass-thru, the
system verifies that the value in this field
matches the value in the Trace Number field
on the associated entry detail record (6
record). Otherwise, the system
•
Skips the entry detail record and addenda
record for import
•
Issues an error for pass-thru.
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Cross-Border Addenda Format (CBR and PBR)
Following is the format for an ACH cross-border addenda.
Field
Record Type
Code
Length
1
Position
Required
01-01
Mandatory
Description
Indicates the record is an
addendum record. This field must
contain the value 7.
Validation - For import, the
system verifies that
•
This field contains the value 7
•
The previous entry detail record
(6 record) contains the value 1
in the Addenda Record
Indicator field.
Otherwise, the system issues a
warning.
For pass-thru, this field must
contain the value 7. Otherwise, the
system issues an error.
Rule: The addenda record (7
record) must immediately follow
the associated entry detail record
(6 record) or another addenda
record.
Addenda
Type Code
2
02-03
Mandatory
Indicates the type of addendum.
This field must contain the value
01.
Validation - For import, there is no
validation. For pass-thru, this field
must contain the value 01.
Otherwise, the system issues an
error.
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ACH File Formats
Field
Length
Transaction
Type Code
3
Position
Required
04-06
Required
Description
Indicates the code that identifies
the type of transaction. This field
must contain one of the following
values:
•
ANN - annuity
•
BUS - business or commercial
•
DEP - deposit
•
LOA - loan
•
MIS - miscellaneous
•
MOR - mortgage
•
PEN - pension
•
RLS - rent or lease
•
SAL - salary or payroll
•
TAX - tax
Validation - For import, there is no
validation. For pass-thru, this field
must contain a value. Otherwise
the system issues an error.
Foreign
Receiving DFI
Identification
11
07-17
Required
Indicates the routing transit
number for the foreign receiving
depository financial institution
(RDFI) for the addendum record.
Validation - For import, there is no
validation. For pass-thru, this field
must contain a value. Otherwise
the system issues an error.
Foreign
Payment
Amount
15
18-32
Required
Indicates the amount for the
addendum record. This is a
monetary ($$$$$$$$$$¢¢), rightjustified, and zero-filled field.
Validation - For import, there is no
validation. For pass-thru, this field
must contain a value. Otherwise
the system issues an error.
Foreign Trace
Number
22
33-54
Optional
Indicates the trace number
assigned to the entry detail record
(6 record) by the originator.
Validation - For import and passthru, there is no validation.
Foreign
Receiver’s
Account
Number
25
55-79
Required
Indicates the account number for
the participant at the financial
institution.
Validation - For import, there is no
validation. For pass-thru, this field
must contain a value.
Otherwise the system issues an
error.
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Field
Length
Trace
Number
15
Position
Required
80-94
Mandatory
Description
Indicates the trace number for the
associated entry detail record (6
record).
Validation - For import, there is no
validation. For pass-thru, this field
must contain a value.
Otherwise the system issues an
error.
Batch Control (Trailer) Format
Following is the format for an ACH batch control (trailer) record.
Field
Record Type
Code
Length
1
Position
Required
Description
01-01
Mandatory
Indicates the record is the batch
trailer. This field must contain the
value 8.
Validation - For import and passthru, this field must contain the
value 8. Otherwise, the system
•
Fails the load for import
•
Issues an error for pass-thru.
Rule: The batch control record (8
record) must immediately precede
the next batch header record (5
record) or the file control record
(9 record) for the ACH file.
Service Class
Code
3
02-04
Mandatory
Indicates the service class code
for the batch or payment request.
This field must contain one of the
following values:
•
200 - contains credits and
debits
•
220 - contains only credits
•
225 - contains only debits
Validation - For import and passthru, this field must
•
Contain one of the valid values
•
Match the value in the Service
Class Code field in the batch
header record (5 record).
Otherwise, the system issues a
warning for import and an error
for pass-thru.
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ACH File Formats
Field
Entry/Addenda
Count
Length
6
Position
Required
Description
05-10
Mandatory
Indicates the number of batch
entry records (6 records) and
addenda records (7 records) in the
batch.
Validation - For import and passthru, this field must contain the
total number of batch entry
records (6 records) and addenda
records (7 records). Otherwise,
the system issues a warning for
import and an error for pass-thru.
Entry Hash
10
11-20
Indicates the total from all
Receiving DFI or OGO
Identification fields in the entry
detail records (6 records) in the
batch. This is a numeric, rightjustified, and zero-filled field.
Validation - For import and passthru, the system calculates this
value per NACHA specifications.
The value in this field must match
the value in the Entry Hash field in
the file control record (9 record).
Otherwise, the system issues a
warning for import and an error
for pass-thru.
Total Debit
Entry Dollar
Amount
12
21-32
Mandatory
Indicates the total debits from all
Amount fields in the entry detail
records (6 records) in the batch.
This is a monetary
($$$$$$$$$$¢¢), right-justified,
and zero-filled field.
Validation - For import and passthru, this field must contain the
total debits from all Amount fields
on the entry detail records (6
records) for the batch. Otherwise,
the system issues a warning for
import and an error for pass-thru.
Total Credit
Entry Dollar
Amount
12
33-44
Mandatory
Indicates the total credits from all
Amount fields in the entry detail
records (6 records) in the batch.
This is a monetary
($$$$$$$$$$¢¢), right-justified,
and zero-filled field.
Validation - For import and passthru, this field must contain the
total credits from all Amount fields
on the entry detail records (6
records) for the batch. Otherwise,
the system issues a warning for
import and an error for pass-thru.
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Field
Company
Identification
Length
10
Position
Required
45-54
Required
Description
Indicates the ACH company ID
associated with the batch or
payment request.
Validation - For import, the
system verifies that the value in
this field is a valid company
identifier in the system and that it
matches the value in the Company
Identification field in the batch
header record (5 record).
Otherwise, the system skips the
entire batch and issues an error.
For pass-thru, this field must
contain a value. Otherwise, the
system issues an error.
Rule: If the SEC code for the
batch is SBA, this field must
contain the value 1999999999.
Message
Authentication
Code
19
Reserved
6
55-73
Optional
Indicates the authentication code
for the batch.
Validation - For import and passthru, there is no validation.
74-79
N/A
This is filler information and is a
blank-filled field.
Validation - For import and passthru, there is no validation.
Originating
DFI
Identification
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ACH File Formats
8
80-87
Mandatory
Indicates the routing number for
the originator.
Validation - For import, there is
no validation. For pass-thru, the
value in this field must match the
value in the Originating DFI
Identification field on the batch
header record (5 record).
Otherwise, the system issues an
error.
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
ACH File Formats
Field
Batch Number
Length
7
Position
Required
Description
88-94
Mandatory
Indicates the ascending sequential
number the ODFI assigned to the
batch.
Validation - For import, there is
no validation.
For pass-thru, the value in this
field must
•
Match the value in the Batch
Number field on the batch
header record (5 record)
•
Be unique from the batch
numbers of other batches on
the ACH pass-thru file. You
must assign a unique,
ascending number to each
batch on the ACH pass-thru
file. The system does permit
gaps in the sequence of batch
numbers, such as 0000001,
0000005, 0000010.
Otherwise, the system issues an
error.
Comma-Separated Value (CSV) File Format
Sample
Field Name
Contents
Origin
Field Description
Participant ID #
Report Header
Hard-Coded Text
Participant Name
Report Header
Hard-Coded Text
User Batch code
Name
Report Header
Hard-Coded Text
Effective Entry
Date
Report Header
Hard-Coded Text
Amount
Report Header
Hard-Coded Text
Status
Report Header
Hard-Coded Text
Activated or Approved
Company
Report Header
Hard-Coded Text
Company Name
Bank ABA
Report Header
Hard-Coded Text
Bank Account
Report Header
Hard-Coded Text
Type
Report Header
Hard-Coded Text
Activator
Report Header
Hard-Coded Text
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Checking or Savings
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Field Name
Contents
Origin
Field Description
Activation Date
Report Header
Hard-Coded Text
Transaction Type
Report Header
Hard-Coded Text
Bank Trace
Number
Report Header
Hard-Coded Text
Customer Trace
Number
Report Header
Hard-Coded Text
Approver
Report Header
Hard-Coded Text
Approval Date
Report Header
Hard-Coded Text
Credit/Debit
Report Header
Hard-Coded Text
Credit or Debit
State
Report Header
Hard-Coded
Frozen, Prenote, or Active
Addenda
Report Header
Hard-Coded
NACHA File Report Sample
Following is an example of a NACHA file report:
216
ACH File Formats
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Confidential and Proprietary
Index
ACH End Point Maintenance.................... 45
A
ACH Exception Report Page .................. 166
About this Guide ...................................... xiii
ACH
definition ................................................. 1
Security ................................................... 3
ACH Setup Tasks
bank personnel ...................................... 16
corporate administrators........................ 17
corporate users ...................................... 17
ACH Batch Control
trailer record........................................ 212
ACH Batch Detail Status Report Page.... 139
ACH Batch process..................................... 7
ACH Batch Summary Status Report Page
..................................................... 135
ACH Batch Templates ................................ 6
ACH Companies ......................................... 3
ACH Company ID Report Page................ 60
ACH Company Maintenance.................... 53
ACH Customer File Name Maintenance .. 65
ACH Customer Settings Page................... 76
ACH Cutoff and Activation Time Data
Entry Page..................................... 40
ACH Exception Report Selection Page .. 163
ACH Exception Reporting...................... 163
ACH File Formats................................... 171
ACH File Summary Status Report Page. 133
ACH Host End Point Report Page ............ 51
ACH Host End Point Selection Page ........ 46
ACH Import Files ....................................... 7
ACH Map Definition ................................ 87
Detail Page .......................................... 122
ACH pass through files............................... 9
ACH Pass-Thru Report ........................... 143
ACH Pass-Thru Report Page .................. 145
ACH Pass-Thru Report Selection Page .. 144
ACH Report
Summary Page .................................... 153
ACH Report ............................................ 149
ACH Report Detail Page......................... 156
ACH Report Selection Page.................... 150
ACH Services............................................ 10
ACH Settings ............................................ 19
ACH Settings Page ................................... 21
ACH Cutoff and Activation Time
Maintenance.................................. 37
ACH Status Report ................................. 131
ACH Cutoff and Activation Time Report
Page............................................... 43
ACH Summary Report Page................... 153
ACH Cutoff Report................................... 43
ACH Cutoff Times Data Entry ................. 40
ACH Cutoff Times Time Selection Page.. 39
ACH Delete Confirmation Summary Page
..................................................... 161
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Confidential and Proprietary
ACH Status Report Selection Page......... 132
ACH Transaction Type Codes ................ 169
ACH Transaction Type Maintenance ....... 29
ACH User Interface .................................. 14
ACH User Settings Page........................... 80
ACH Uses Permissions ............................. 71
217
Index
Automated Clearing House (ACH) Reference Guide
Add Map Page(Delimited)........................ 93
D
Add Map Page(Fixed)............................. 101
Delete Map Page ..................................... 115
Approvals.................................................... 3
Document Conventions............................ xiv
Authorization Limits Page ........................ 82
Documentation......................................... xvi
B
E
Batch Detail Report................................. 156
Edit Map Page......................................... 108
Batch process .............................................. 7
End Point Data Entry Page ....................... 48
Batch Templates.......................................... 6
End Point Delete Page .............................. 50
Business Consulting............................... xviii
End Point Maintenance ............................. 45
C
End Point Selection Page .......................... 46
CBR Entry Detail Record format............ 184
Exception Reporting ............................... 163
CCD Entry Detail Record format ........... 188
F
Client Support Center ............................. xvii
File Formats ............................................ 171
Comma-Separated Value (CSV) File Format
..................................................... 215
File Header format .................................. 173
Company Information Add Page .............. 58
Company Information Selection Page ...... 56
File Name Parameters Page ...................... 67
File Name Report Page ............................. 68
Company Maintenance ............................. 53
I
Company Permissions Selection............... 73
Import Files................................................. 7
Conference ............................................. xviii
Import Maps Page ..................................... 90
Consolidated Payments............................... 4
Cross Border Batch Header Record format
..................................................... 179
L
Limits 4
Cross-border addenda record format ...... 210
CSV File Format ..................................... 215
M
CTX Entry Detail Record format............ 192
Map Add Page (Delimited)....................... 93
Custom Programming ............................ xviii
Map Add Page (Fixed)............................ 101
Customer File Name Maintenance............ 65
Map Definition.......................................... 87
Customer Selection Page .......................... 66
Map Delete Page ..................................... 115
Cutoff times .............................................. 37
Map Detail Page...................................... 122
Cutoff Times ............................................... 2
Map Edit Page......................................... 108
Market Segmentation .................................. 5
Menu Interfaces ........................................ 18
218
Index
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
Index
N
Standard Batch Header Record format ... 175
NACHA file report ................................. 216
Status Report........................................... 131
National Conference .............................. xviii
Summary Report ..................................... 153
Support.................................................... xvii
O
Offset Accounts ........................................ 54
T
Offset Accounts Page................................ 63
Trailer record .......................................... 212
Training Services ..................................... xvi
P
Transaction Type Codes ............................. 3
Pass through files ........................................ 9
Transaction Type Permissions Page ......... 81
Pass-Thru Report .................................... 143
Transaction Type Selection Page.............. 32
PBR Entry Detail Record format ............ 196
Transaction Types..................................... 29
Permissions Selection Page....................... 73
Transaction Types Page ............................ 61
PPD Entry Detail Record format ............ 199
Proactive bulletins....................................... 9
U
Product Documentation Library .............. xvi
User Overall Limits Page.......................... 78
Programming.......................................... xviii
User Permissions
Project Management .............................. xviii
Authorization Limits............................. 82
Customer Settings ................................. 76
R
Transaction Type .................................. 81
RCK Entry Detail Record format ........... 203
User Overall Limits............................... 78
Recurring Payments .................................... 9
User Settings ......................................... 80
Report Detail Page .................................. 156
Uses Permissions ...................................... 71
S
W
SEC Codes .................................................. 1
Web Entry Detail Record format ............ 205
Security ....................................................... 3
Where to Find More Information............. xvi
Standard Addenda record format ............ 208
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary
219
Index
Automated Clearing House (ACH) Reference Guide
220
Index
Copyright © 2008 by Digital Insight, an Intuit company
Confidential and Proprietary