Reference

NACHA file format: ACH record layouts

Every field of every NACHA record type, with its position, length, format and rules, plus the transaction, SEC, return and change codes that go in them.

Generated from the field definitions the NACHA Viewer validates against: 46 record layouts, 485 fields.

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How a NACHA file is organized

A NACHA file, also called an ACH file, is plain text made of fixed-width records. Every record is exactly 94 characters long and sits on its own line, and its first character, the record type code, says what it is. Records always come in this order:

1File HeaderOnce, on the first lineWho sent the file, to whom, and when.
5Company/Batch HeaderStarts each batchThe company, the SEC code and the effective date of the entries that follow.
6Entry DetailOne per paymentTransaction code, routing and account number, amount, receiver and trace number.
7AddendaOptional, after its entryRemittance details, or the reason for a return or a notification of change.
8Company/Batch ControlCloses each batchEntry and addenda count, entry hash, and debit and credit totals.
9File ControlOnce, after the last batchBatch, block and entry counts, entry hash and totals for the file.
9…Block fillOnly if neededLines of 94 nines that pad the file to a multiple of 10 records.

Records 5 to 8 repeat for every batch; a file can hold any number of batches.

Field rules

Each field has a fixed position. Here is line 3 of the sample file, an Entry Detail record, coloured by what each field holds:

Routing & IDs
Amounts
Dates
Names & text
Codes
Reserved

Positions count from 1 and include both ends: positions 4–11 are the 4th through the 11th characters, 8 in all.
Numeric fields are right-justified and zero-filled. Amounts are in cents with no decimal point, so $1,250.00 is 0000125000.
Alphanumeric fields are left-justified and space-filled, in uppercase by convention. The dots above stand for spaces.
Dates are YYMMDD and times HHMM; the settlement date is a three-digit day of the year that the ACH Operator fills in.
M/R/O says whether a field is Mandatory (missing or invalid data gets the file or batch rejected), Required (missing data can get the entry returned) or Optional. N/A marks reserved positions and data the ACH Operator adds.

Totals and check digits

Entry hash: add up the 8-digit Receiving DFI Identification (positions 4–11) of every entry in the batch and keep the rightmost 10 digits. The File Control does the same across all batches.
Control totals: each Company/Batch Control counts the batch’s entries and addenda and totals its debits and credits in cents; the File Control totals the whole file and adds the batch and block counts.
Check digit: the ninth routing digit satisfies the ABA 3-7-1 rule: 3×(d1+d4+d7) + 7×(d2+d5+d8) + (d3+d6+d9) is a multiple of 10.
Blocking: records are grouped in blocks of 10. If the last block is short, it is filled with block-fill records of 94 nines, and the File Control’s block count includes them.

File Header Record

Contains routing and other information to identify the origin and destination of the file.

File Header Record: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 1	Mandatory	Identifies the type of record in the file. Always "1" for the File Header Record
2–3	Priority Code	2 chars	CodeAlways 01	Required	Identifies the priority of the file. Only "01" is used
4–13	Immediate Destination	10 chars	RoutingbTTTTAAAAC	Mandatory	Routing number of the ACH Operator or receiving point (usually your bank) to which the file is being sent. Format bTTTTAAAAC: a blank followed by the 9-digit routing number, including its check digit TTTT = Federal Reserve Routing Symbol, AAAA = ABA Institution Identifier, C = check digit Right-justified with one leading blank Must pass the ABA check-digit test
14–23	Immediate Origin	10 chars	RoutingbTTTTAAAAC	Mandatory	Routing number of the sending point (usually the ODFI), or another 10-character identifier agreed with the receiving point. Usually bTTTTAAAAC: a blank followed by the 9-digit routing number Some banks assign a 10-character company identifier instead (often "1" followed by the Federal Tax ID); use the value your bank specifies When it is a routing number it must pass the ABA check-digit test
24–29	File Creation Date	6 chars	DateYYMMDD	Mandatory	The date on which the file was created. Format YYMMDD Must be a valid calendar date
30–33	File Creation Time	4 chars	TimeHHMM	Optional	The time at which the file was created. Format HHMM, 24-hour clock Optional; may be left blank
34	File ID Modifier	1 char	Alphanumeric	Mandatory	Distinguishes between multiple files created on the same date for the same destination and origin. Uppercase A–Z or a digit 0–9 Use "A" for the first file of the day and the next value for each additional file Lets the receiving point detect duplicate files
35–37	Record Size	3 chars	CodeAlways 094	Mandatory	The number of characters in each record. Always "094"
38–39	Blocking Factor	2 chars	CodeAlways 10	Mandatory	The number of records in each physical block. Must be "10" The file is padded with block-fill records (94 nines) to a multiple of 10 records
40	Format Code	1 char	CodeAlways 1	Mandatory	Identifies the format of the file. Always "1"
41–63	Immediate Destination Name	23 chars	Alphanumeric	Optional	Name of the ACH Operator or receiving point to which the file is sent. Optional Left-justified and space-filled
64–86	Immediate Origin Name	23 chars	Alphanumeric	Optional	Name of the sending point or originating company that created the file. Optional Left-justified and space-filled
87–94	Reference Code	8 chars	Alphanumeric	Optional	For the originator's own use to describe or identify the file. Optional; often blank Left-justified and space-filled

Company/Batch Header Record

Identifies the originator and purpose of the entries contained in the batch.

Company/Batch Header Record: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 5	Mandatory	Identifies the type of record in the file. Always "5" for the Company/Batch Header Record
2–4	Service Class Code	3 chars	CodeSee codes	Mandatory	Identifies whether the batch contains debits, credits or both. 200 = mixed debits and credits 220 = credits only 225 = debits only 280 = automated accounting advices (ADV) Must match the Service Class Code in the Batch Control Record
5–20	Company Name	16 chars	Alphanumeric	Mandatory	Name of the Originator, as known to and readily recognized by the Receiver. Usually appears on the Receiver's bank statement Left-justified and space-filled
21–40	Company Discretionary Data	20 chars	Alphanumeric	Optional	For the Originator or ODFI to use as they agree, e.g. internal reference data. Optional Left-justified and space-filled
41–50	Company Identification	10 chars	Alphanumeric	Mandatory	Identifies the Originator to the ODFI and the RDFI. Usually "1" followed by the 9-digit IRS Employer Identification Number (EIN) Other prefixes: "3" = DUNS number, "9" = number assigned by the user Must match the Company Identification in the Batch Control Record Use the value your ODFI assigned or agreed
51–53	Standard Entry Class Code	3 chars	CodeSee codes	Mandatory	Three-letter code identifying the kind of entries in the batch and how they were authorized. PPD = consumer prearranged payments and deposits · CCD = corporate credits or debits CTX = corporate trade exchange with EDI remittance · WEB = internet or mobile · TEL = telephone IAT = international · ARC, BOC, POP, RCK = converted checks · COR = notifications of change Must be uppercase
54–63	Company Entry Description	10 chars	Alphanumeric	Mandatory	Tells the Receiver what the entries are for, e.g. PAYROLL or GAS BILL. Usually printed on the Receiver's bank statement Some values are required by the Rules: REVERSAL (reversing entries), RECLAIM (reclamations), RETURN FEE, RETRY PYMT (reinitiated entries), REDEPCHECK (RCK), AUTOENROLL (ENR), HCCLAIMPMT (healthcare claim payments), ACCTVERIFY (micro-entries) From March 20, 2026: PAYROLL for PPD wage and salary credits, PURCHASE for e-commerce purchase debits Left-justified and space-filled
64–69	Company Descriptive Date	6 chars	Alphanumeric	Optional	A date the Originator wants shown to the Receiver, such as a pay period, in any format. Optional and free-form, e.g. YYMMDD or "MAR 15" Same Day ACH convention: "SDHHMM" (e.g. SD1300) asks for same-day settlement at that time Left-justified and space-filled
70–75	Effective Entry Date	6 chars	DateYYMMDD	Required	The banking day on which the Originator intends the entries to settle. Format YYMMDD Should be a banking day: not a weekend or Federal Reserve holiday A past or non-banking date settles at the ACH Operator's next settlement opportunity For Same Day ACH, use the current day's date and submit before the same-day deadline
76–78	Settlement Date (Julian)	3 chars	Julian dayDDD	Not applicable: reserved, or filled in by the ACH Operator	Day of the year on which the batch settles. Inserted by the receiving ACH Operator. Leave blank when creating a file; the ACH Operator fills it in Format DDD: 001–366
79	Originator Status Code	1 char	CodeSee codes	Mandatory	Identifies the status of the Originator under the Nacha Rules. 1 = depository financial institution bound by the Nacha Rules (used on virtually all files) 2 = Federal Government entity or agency not subject to the Rules 0 = ADV file prepared by an ACH Operator
80–87	Originating DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	First 8 digits of the routing number of the ODFI (no check digit). Must match the ODFI in the Batch Control Record Trace numbers in the batch start with this value In return and NOC batches this is the RDFI that is sending them back
88–94	Batch Number	7 chars	Numeric	Mandatory	Number assigned in ascending sequence to each batch in the file. Usually starts at 0000001 Must match the Batch Number in the Batch Control Record Right-justified and zero-filled

International (IAT) batches

IAT batches use their own header layout, with foreign-exchange and currency fields.

IATInternational ACH Transaction17 fields

Batch header for international entries: replaces company fields with foreign-exchange and country data.

Company/Batch Header Record — IAT: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 5	Mandatory	Identifies the type of record in the file. Always "5" for the Company/Batch Header Record
2–4	Service Class Code	3 chars	CodeSee codes	Mandatory	Identifies whether the batch contains debits, credits or both. 200 = mixed debits and credits 220 = credits only 225 = debits only 280 = automated accounting advices (ADV) Must match the Service Class Code in the Batch Control Record
5–20	IAT Indicator	16 chars	Alphanumeric	Optional	Blank in IAT batches. Contains "IATCOR" in a batch of IAT Notifications of Change. Left-justified and space-filled
21–22	Foreign Exchange Indicator	2 chars	CodeSee codes	Mandatory	How the amount is converted between currencies. FV = fixed-to-variable: sent as a fixed amount, received after conversion VF = variable-to-fixed: converted so that a fixed amount is received FF = fixed-to-fixed: same currency at both ends, no conversion
23	Foreign Exchange Reference Indicator	1 char	CodeSee codes	Mandatory	Identifies what the Foreign Exchange Reference field contains. 1 = foreign exchange rate 2 = foreign exchange reference number 3 = space-filled
24–38	Foreign Exchange Reference	15 chars	Alphanumeric	Required	The exchange rate or reference number named by the indicator; blank when the indicator is 3. Left-justified and space-filled
39–40	ISO Destination Country Code	2 chars	Alphanumeric	Mandatory	Two-letter ISO 3166 code of the country in which the entry is to be received. Uppercase letters, e.g. US, CA, MX
41–50	Originator Identification	10 chars	Alphanumeric	Mandatory	Identifies the Originator (the IAT equivalent of Company Identification). Must match the Company Identification in the Batch Control Record
51–53	Standard Entry Class Code	3 chars	CodeSee codes	Mandatory	Three-letter code identifying the kind of entries in the batch and how they were authorized. PPD = consumer prearranged payments and deposits · CCD = corporate credits or debits CTX = corporate trade exchange with EDI remittance · WEB = internet or mobile · TEL = telephone IAT = international · ARC, BOC, POP, RCK = converted checks · COR = notifications of change Must be uppercase
54–63	Company Entry Description	10 chars	Alphanumeric	Mandatory	Tells the Receiver what the entries are for, e.g. PAYROLL or GAS BILL. Usually printed on the Receiver's bank statement Some values are required by the Rules: REVERSAL (reversing entries), RECLAIM (reclamations), RETURN FEE, RETRY PYMT (reinitiated entries), REDEPCHECK (RCK), AUTOENROLL (ENR), HCCLAIMPMT (healthcare claim payments), ACCTVERIFY (micro-entries) From March 20, 2026: PAYROLL for PPD wage and salary credits, PURCHASE for e-commerce purchase debits Left-justified and space-filled
64–66	ISO Originating Currency Code	3 chars	Alphanumeric	Mandatory	Three-letter ISO 4217 code of the currency in which the entry was originated. Uppercase letters, e.g. USD
67–69	ISO Destination Currency Code	3 chars	Alphanumeric	Mandatory	Three-letter ISO 4217 code of the currency in which the entry is to be received. Uppercase letters, e.g. CAD
70–75	Effective Entry Date	6 chars	DateYYMMDD	Required	The banking day on which the Originator intends the entries to settle. Format YYMMDD Should be a banking day: not a weekend or Federal Reserve holiday A past or non-banking date settles at the ACH Operator's next settlement opportunity For Same Day ACH, use the current day's date and submit before the same-day deadline
76–78	Settlement Date (Julian)	3 chars	Julian dayDDD	Not applicable: reserved, or filled in by the ACH Operator	Day of the year on which the batch settles. Inserted by the receiving ACH Operator. Leave blank when creating a file; the ACH Operator fills it in Format DDD: 001–366
79	Originator Status Code	1 char	CodeSee codes	Mandatory	Identifies the status of the Originator under the Nacha Rules. 1 = depository financial institution bound by the Nacha Rules (used on virtually all files) 2 = Federal Government entity or agency not subject to the Rules 0 = ADV file prepared by an ACH Operator
80–87	Go Identification/Originating DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	For outbound IAT, the ODFI routing number (first 8 digits); for inbound IAT, the U.S. Gateway Operator identification. Must match the ODFI in the Batch Control Record Trace numbers in the batch start with this value
88–94	Batch Number	7 chars	Numeric	Mandatory	Number assigned in ascending sequence to each batch in the file. Usually starts at 0000001 Must match the Batch Number in the Batch Control Record Right-justified and zero-filled

Entry Detail Record

Contains the data for the individual entry, including the transaction code, account information, and amount. The table shows the PPD layout, the most common; the other SEC codes follow it.

Entry Detail Record — PPD: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 6	Mandatory	Identifies the type of record in the file. Always "6" for the Entry Detail Record
2–3	Transaction Code	2 chars	CodeSee codes	Mandatory	Identifies the type of account and whether the entry is a credit, a debit, a prenote, a zero-dollar entry or a return/NOC. First digit: 2 = checking, 3 = savings, 4 = general ledger, 5 = loan Last digit: 2 = credit, 3 = credit prenote, 4 = zero-dollar credit, 1 = return or NOC of a credit Last digit: 7 = debit, 8 = debit prenote, 9 = zero-dollar debit, 6 = return or NOC of a debit 22 = checking credit · 27 = checking debit · 32 = savings credit · 37 = savings debit
4–11	Receiving DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	First 8 digits of the routing number of the Receiver's financial institution (the RDFI). TTTT = Federal Reserve Routing Symbol, AAAA = ABA Institution Identifier The check digit (the 9th digit) follows in position 12 Added up across the batch to produce the Entry Hash
12	Check Digit	1 char	Numeric	Mandatory	The ninth digit of the RDFI routing number, computed from the first eight. ABA 3-7-1 rule: 3×(d1+d4+d7) + 7×(d2+d5+d8) + (d3+d6+d9) must be a multiple of 10 A wrong check digit means the routing number was mistyped
13–29	DFI Account Number	17 chars	Alphanumeric	Required	The Receiver's account number at the RDFI. Left-justified and space-filled Enter the significant characters only; omit embedded spaces For a prenote, the account that will receive future live entries
30–39	Amount	10 chars	AmountCents, no decimal point	Mandatory	The amount of the entry, in cents. In cents, with no decimal point: $100.00 is "0000010000" Right-justified and zero-filled; the largest amount is $99,999,999.99 Must be zero for prenotes and zero-dollar entries
40–54	Individual Identification Number	15 chars	Alphanumeric	Optional	Number the Originator uses to identify the Receiver, such as an employee ID, customer or loan number. Optional Left-justified and space-filled
55–76	Individual Name	22 chars	Alphanumeric	Required	Name of the Receiver. Required Left-justified and space-filled May appear on the Receiver's bank statement
77–78	Discretionary Data	2 chars	Alphanumeric	Optional	For the ODFI or Originator to use as they agree; it has no meaning to the ACH Network. Optional Left-justified and space-filled
79	Addenda Record Indicator	1 char	CodeSee codes	Mandatory	Shows whether one or more Addenda Records follow this entry. 0 = no Addenda Record follows 1 = one or more Addenda Records follow
80–94	Trace Number	15 chars	Numeric	Mandatory	Uniquely identifies the entry within the file and lets it be traced through the ACH Network. First 8 digits: the ODFI routing number from the Company/Batch Header (no check digit) Last 7 digits: a sequence number assigned by the ODFI Must be unique within the file and in ascending order within the batch

Entry Detail by SEC code

Positions 1–39 and 79–94 are the same for almost every Standard Entry Class code; the middle of the record changes. Each layout below lists only the fields that differ from PPD, with the full layout one click away.

CCDCorporate Credit or DebitDiffers in positions 40–76

Credit or debit between business accounts; may carry one addenda record of remittance data.

Entry Detail Record — CCD: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Identification Number	15 chars	Alphanumeric	Optional	Number the Originator uses to identify the Receiver, such as a vendor, customer or invoice number. Optional Left-justified and space-filled
55–76	Receiving Company Name	22 chars	Alphanumeric	Required	Name of the Receiver (a business). Required Left-justified and space-filled

Positions not listed match the PPD layout.

CTXCorporate Trade ExchangeDiffers in positions 30–76

Business-to-business payment carrying up to 9,999 addenda records of EDI remittance data.

Entry Detail Record — CTX: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
30–39	Total Amount	10 chars	AmountCents, no decimal point	Mandatory	Total amount of the entry, in cents. In cents, with no decimal point: $100.00 is "0000010000" Right-justified and zero-filled; the largest amount is $99,999,999.99 Zero for acknowledgment entries
40–54	Identification Number	15 chars	Alphanumeric	Optional	Number the Originator uses to identify the Receiver, such as a vendor, customer or invoice number. Optional Left-justified and space-filled
55–58	Number of Addenda Records	4 chars	Numeric	Mandatory	Number of Addenda Records that follow this entry (type 05 remittance addenda, 0000–9999). Must equal the number of Addenda Records actually following the entry Right-justified and zero-filled
59–74	Receiving Company Name/ID Number	16 chars	Alphanumeric	Required	Name or identification number of the Receiver (a business). Required Left-justified and space-filled
75–76	Reserved	2 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled

Positions not listed match the PPD layout.

WEBInternet-Initiated/Mobile EntryDiffers in positions 77–78

Consumer debit authorized over the internet or a mobile device, or a person-to-person credit.

Entry Detail Record — WEB: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
77–78	Payment Type Code	2 chars	CodeSee codes	Required	Shows whether a debit is recurring, a single entry, or a later entry under a standing authorization. "R " = recurring "S " = single entry "ST" = subsequent entry under a standing authorization Left-justified and space-filled; uppercase

Positions not listed match the PPD layout.

TELTelephone-Initiated EntryDiffers in positions 77–78

Consumer debit authorized orally over the telephone.

Entry Detail Record — TEL: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
77–78	Payment Type Code	2 chars	CodeSee codes	Required	Shows whether a debit is recurring, a single entry, or a later entry under a standing authorization. "R " = recurring "S " = single entry "ST" = subsequent entry under a standing authorization Left-justified and space-filled; uppercase

Positions not listed match the PPD layout.

IATInternational ACH TransactionDiffers in positions 4–78

International entry. Followed by seven mandatory addenda (types 10–16) and up to seven optional ones.

Entry Detail Record — IAT: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
4–11	Gateway Operator Identification/Receiving DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	For outbound IAT, the routing number (first 8 digits) of the U.S. Gateway Operator; for inbound IAT, of the RDFI. The check digit follows in position 12 Added up across the batch to produce the Entry Hash
13–16	Number of Addenda Records	4 chars	Numeric	Mandatory	Number of Addenda Records that follow this entry (all IAT addenda: seven mandatory plus up to two type 17 and five type 18). Must equal the number of Addenda Records actually following the entry Right-justified and zero-filled
17–29	Reserved	13 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
40–74	Foreign Receiver's Account Number/DFI Account Number	35 chars	Alphanumeric	Mandatory	The Receiver's account number at the foreign or domestic receiving institution. Left-justified and space-filled
75–76	Reserved	2 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
77	Gateway Operator OFAC Screening Indicator	1 char	CodeSee codes	Optional	Set by the Gateway Operator when its OFAC screening flagged the entry. "1" = flagged as a possible OFAC match Blank or "0" = not flagged
78	Secondary OFAC Screening Indicator	1 char	CodeSee codes	Optional	Set by a secondary screener (such as the ODFI or RDFI) when its OFAC screening flagged the entry. "1" = flagged as a possible OFAC match Blank or "0" = not flagged

Positions not listed match the PPD layout.

ARCAccounts Receivable EntryDiffers in positions 40–76

Consumer check received by mail or at a drop box and converted to a one-time ACH debit.

Entry Detail Record — ARC: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Check Serial Number	15 chars	Alphanumeric	Mandatory	Serial number of the source check, from its MICR line. Mandatory Left-justified and space-filled
55–76	Individual Name	22 chars	Alphanumeric	Optional	Name of the Receiver. Optional Left-justified and space-filled May appear on the Receiver's bank statement

Positions not listed match the PPD layout.

BOCBack Office ConversionDiffers in positions 40–76

Check presented at a point of purchase or staffed payment location and converted to an ACH debit in the back office.

Entry Detail Record — BOC: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Check Serial Number	15 chars	Alphanumeric	Mandatory	Serial number of the source check, from its MICR line. Mandatory Left-justified and space-filled
55–76	Individual Name	22 chars	Alphanumeric	Optional	Name of the Receiver. Optional Left-justified and space-filled May appear on the Receiver's bank statement

Positions not listed match the PPD layout.

POPPoint-of-Purchase EntryDiffers in positions 40–76

Check converted to an ACH debit at the point of purchase.

Entry Detail Record — POP: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–48	Check Serial Number	9 chars	Alphanumeric	Mandatory	Serial number of the source check, from its MICR line. Mandatory Left-justified and space-filled
49–52	Terminal City	4 chars	Alphanumeric	Mandatory	Abbreviated name of the city where the point-of-purchase terminal is located. First four characters of the city name Left-justified and space-filled
53–54	Terminal State	2 chars	Alphanumeric	Mandatory	Two-letter state abbreviation of the terminal location. Uppercase postal abbreviation
55–76	Individual Name	22 chars	Alphanumeric	Optional	Name of the Receiver. Optional Left-justified and space-filled May appear on the Receiver's bank statement

Positions not listed match the PPD layout.

RCKRe-presented Check EntryDiffers in positions 40–76

A check returned for insufficient or uncollected funds, re-presented as an ACH debit.

Entry Detail Record — RCK: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Check Serial Number	15 chars	Alphanumeric	Mandatory	Serial number of the source check, from its MICR line. Mandatory Left-justified and space-filled
55–76	Individual Name	22 chars	Alphanumeric	Optional	Name of the Receiver. Optional Left-justified and space-filled May appear on the Receiver's bank statement

Positions not listed match the PPD layout.

CIECustomer Initiated EntryDiffers in positions 40–76

Credit initiated by a consumer, e.g. a bill payment through online banking. Name comes before the ID number.

Entry Detail Record — CIE: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Individual Name	15 chars	Alphanumeric	Required	Name of the Receiver. Required Left-justified and space-filled May appear on the Receiver's bank statement
55–76	Individual Identification Number	22 chars	Alphanumeric	Required	Number the Originator uses to identify the Receiver, such as an employee ID, customer or loan number. Required Left-justified and space-filled

Positions not listed match the PPD layout.

MTEMachine Transfer EntryDiffers in positions 40–76

Entry initiated at an ATM or other electronic terminal. Followed by one type 02 addenda.

Entry Detail Record — MTE: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Individual Name	15 chars	Alphanumeric	Required	Name of the Receiver. Required Left-justified and space-filled May appear on the Receiver's bank statement
55–76	Individual Identification Number	22 chars	Alphanumeric	Required	Number the Originator uses to identify the Receiver, such as an employee ID, customer or loan number. Required Left-justified and space-filled

Positions not listed match the PPD layout.

POSPoint-of-Sale EntryDiffers in positions 55–78

Debit card purchase at an electronic terminal. Followed by one type 02 addenda.

Entry Detail Record — POS: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
55–76	Individual Name	22 chars	Alphanumeric	Optional	Name of the Receiver. Optional Left-justified and space-filled May appear on the Receiver's bank statement
77–78	Card Transaction Type Code	2 chars	CodeSee codes	Mandatory	Identifies the kind of card transaction. 01 = purchase of goods or services · 02 = cash · 03 = return reversal 11 = purchase reversal · 12 = cash reversal · 13 = return · 21 = adjustment · 99 = miscellaneous

Positions not listed match the PPD layout.

SHRShared Network TransactionDiffers in positions 40–78

Point-of-sale entry through a shared network. Followed by one type 02 addenda.

Entry Detail Record — SHR: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–43	Card Expiration Date	4 chars	DateMMYY	Mandatory	Expiration date of the card used. Format MMYY
44–54	Document Reference Number	11 chars	Numeric	Mandatory	Number identifying the transaction document. Right-justified and zero-filled
55–76	Individual Card Account Number	22 chars	Alphanumeric	Mandatory	The card account number used for the transaction. Left-justified and space-filled
77–78	Card Transaction Type Code	2 chars	CodeSee codes	Mandatory	Identifies the kind of card transaction. 01 = purchase of goods or services · 02 = cash · 03 = return reversal 11 = purchase reversal · 12 = cash reversal · 13 = return · 21 = adjustment · 99 = miscellaneous

Positions not listed match the PPD layout.

ACKACH Payment AcknowledgmentDiffers in positions 30–76

Zero-dollar entry an RDFI sends to acknowledge receipt of a CCD credit.

Entry Detail Record — ACK: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
30–39	Total Amount	10 chars	AmountCents, no decimal point	Mandatory	Total amount of the entry, in cents. In cents, with no decimal point: $100.00 is "0000010000" Right-justified and zero-filled; the largest amount is $99,999,999.99 Zero for acknowledgment entries
40–54	Original Entry Trace Number	15 chars	Numeric	Mandatory	Trace Number of the entry being acknowledged. 15 digits, copied from the original entry
55–76	Receiving Company Name	22 chars	Alphanumeric	Required	Name of the Receiver (a business). Required Left-justified and space-filled

Positions not listed match the PPD layout.

ATXFinancial EDI AcknowledgmentDiffers in positions 30–76

Zero-dollar entry an RDFI sends to acknowledge receipt of a CTX credit.

Entry Detail Record — ATX: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
30–39	Total Amount	10 chars	AmountCents, no decimal point	Mandatory	Total amount of the entry, in cents. In cents, with no decimal point: $100.00 is "0000010000" Right-justified and zero-filled; the largest amount is $99,999,999.99 Zero for acknowledgment entries
40–54	Original Entry Trace Number	15 chars	Numeric	Mandatory	Trace Number of the entry being acknowledged. 15 digits, copied from the original entry
55–58	Number of Addenda Records	4 chars	Numeric	Mandatory	Number of Addenda Records that follow this entry (type 05 addenda, 0000–9999). Must equal the number of Addenda Records actually following the entry Right-justified and zero-filled
59–74	Receiving Company Name/ID Number	16 chars	Alphanumeric	Required	Name or identification number of the Receiver (a business). Required Left-justified and space-filled
75–76	Reserved	2 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled

Positions not listed match the PPD layout.

DNEDeath Notification EntrySame positions as PPD

Zero-dollar entry from a Federal Government agency reporting the death of a benefit recipient; carries one addenda.

Every position matches the PPD layout above; only the Standard Entry Class code in the batch header differs.

ENRAutomated Enrollment EntryDiffers in positions 40–76

Zero-dollar entry a DFI sends to a Federal Government agency to enroll a beneficiary in direct deposit.

Entry Detail Record — ENR: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Identification Number	15 chars	Alphanumeric	Optional	Number the Originator uses to identify the Receiver, such as a vendor, customer or invoice number. Optional Left-justified and space-filled
55–58	Number of Addenda Records	4 chars	Numeric	Mandatory	Number of Addenda Records that follow this entry (type 05 addenda carrying the enrollment data). Must equal the number of Addenda Records actually following the entry Right-justified and zero-filled
59–74	Receiving Company Name	16 chars	Alphanumeric	Required	Name of the Federal Government agency the enrollment is sent to. Left-justified and space-filled
75–76	Reserved	2 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled

Positions not listed match the PPD layout.

TRCTruncated EntryDiffers in positions 40–78

Debit for a check that was truncated (kept by the collecting institution) under a check truncation program.

Entry Detail Record — TRC: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Check Serial Number	15 chars	Alphanumeric	Mandatory	Serial number of the source check, from its MICR line. Mandatory Left-justified and space-filled
55–60	Process Control Field	6 chars	Alphanumeric	Mandatory	The process control (transaction code) field from the MICR line of the check. Left-justified and space-filled
61–76	Item Research Number	16 chars	Alphanumeric	Mandatory	Number that identifies the check for research, such as its item sequence number. Left-justified and space-filled
77–78	Item Type Indicator	2 chars	Alphanumeric	Optional	Identifies the type of truncated item, as agreed between the participating DFIs. Optional Left-justified and space-filled

Positions not listed match the PPD layout.

TRXTruncated Entries ExchangeDiffers in positions 30–78

Batched debit for truncated checks; the individual checks are listed in up to 9,999 addenda records.

Entry Detail Record — TRX: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
30–39	Total Amount	10 chars	AmountCents, no decimal point	Mandatory	Total amount of the entry, in cents. In cents, with no decimal point: $100.00 is "0000010000" Right-justified and zero-filled; the largest amount is $99,999,999.99 Zero for acknowledgment entries
40–54	Identification Number	15 chars	Alphanumeric	Optional	Number the Originator uses to identify the Receiver, such as a vendor, customer or invoice number. Optional Left-justified and space-filled
55–58	Number of Addenda Records	4 chars	Numeric	Mandatory	Number of Addenda Records that follow this entry (type 05 addenda, 0000–9999). Must equal the number of Addenda Records actually following the entry Right-justified and zero-filled
59–74	Receiving Company Name/ID Number	16 chars	Alphanumeric	Required	Name or identification number of the Receiver (a business). Required Left-justified and space-filled
75–76	Reserved	2 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
77–78	Item Type Indicator	2 chars	Alphanumeric	Optional	Identifies the type of truncated item, as agreed between the participating DFIs. Optional Left-justified and space-filled

Positions not listed match the PPD layout.

XCKDestroyed Check EntryDiffers in positions 40–76

Debit used to collect a check that was lost or destroyed in transit.

Entry Detail Record — XCK: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Check Serial Number	15 chars	Alphanumeric	Mandatory	Serial number of the source check, from its MICR line. Mandatory Left-justified and space-filled
55–60	Process Control Field	6 chars	Alphanumeric	Mandatory	The process control (transaction code) field from the MICR line of the check. Left-justified and space-filled
61–76	Item Research Number	16 chars	Alphanumeric	Mandatory	Number that identifies the check for research, such as its item sequence number. Left-justified and space-filled

Positions not listed match the PPD layout.

CORNotification of Change / Refused NOCDiffers in positions 40–76

Zero-dollar entry an RDFI sends to tell the Originator that information in an entry was wrong. Carries one type 98 addenda.

Entry Detail Record — COR: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
40–54	Identification Number	15 chars	Alphanumeric	Optional	Copied from the original entry (Individual Identification Number or Identification Number). Left-justified and space-filled
55–76	Individual Name/Receiving Company Name	22 chars	Alphanumeric	Required	Copied from the original entry. Left-justified and space-filled

Positions not listed match the PPD layout.

ADVAutomated Accounting AdviceDiffers in positions 13–94

Accounting advice an ACH Operator sends to a DFI summarizing its ACH activity.

Entry Detail Record — ADV: fields that differ from PPD
Position	Field	Length	Type	M/R/O	Description
13–27	DFI Account Number	15 chars	Alphanumeric	Mandatory	The account at the DFI the advice applies to. Left-justified and space-filled
28–39	Amount	12 chars	AmountCents, no decimal point	Mandatory	The amount of the advice, in cents. 12 digits, in cents, zero-filled
40–48	Advice Routing Number	9 chars	RoutingTTTTAAAAC	Mandatory	Routing number of the institution the advice is for. 9 digits, including the check digit
49–53	File Identification	5 chars	Alphanumeric	Optional	Identifies the file the advice relates to. Left-justified and space-filled
54	ACH Operator Data	1 char	Alphanumeric	Optional	For use by the ACH Operator.
55–76	Individual Name	22 chars	Alphanumeric	Mandatory	Name of the Receiver. Mandatory Left-justified and space-filled May appear on the Receiver's bank statement
80–87	Routing Number of ACH Operator	8 chars	RoutingTTTTAAAA	Mandatory	First 8 digits of the routing number of the ACH Operator that created the advice.
88–90	Julian Date on Which This Advice Is Created	3 chars	Julian dayDDD	Mandatory	Day of the year on which the advice was created. 001–366
91–94	Sequence Number Within Batch	4 chars	Numeric	Mandatory	Sequence number of the advice within its batch. Right-justified and zero-filled

Positions not listed match the PPD layout.

Addenda Record

Provides additional information about the preceding Entry Detail Record. The table shows type 05, payment related information; the other types follow it.

Addenda Record — type 05: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 05	Mandatory	Identifies the layout of the Addenda Record. Always "05" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–83	Payment Related Information	80 chars	Alphanumeric	Optional	Remittance information for the Receiver: free-form text, ANSI ASC X12 data segments, or Nacha-endorsed banking conventions. PPD, CCD, WEB, CIE and DNE allow one addenda per entry; CTX, ENR, ATX and TRX allow up to 9,999 X12 segments end with a terminator, usually a backslash (\) or a tilde (~) Left-justified and space-filled
84–87	Addenda Sequence Number	4 chars	Numeric	Mandatory	Position of this addenda among the type 05 addenda that belong to the same entry, starting at 0001. Starts at 0001 and increases by one for each addenda of the entry Right-justified and zero-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

Other addenda types

The Addenda Type Code in positions 2–3 decides the layout: 02 for terminal data, 98 for notifications of change, 99 for returns, and 10–18 for international (IAT) entries.

02Point-of-sale terminal information (POS, SHR, MTE)12 fields

Where and when a card or ATM transaction happened. Exactly one follows each POS, SHR and MTE entry.

Addenda Record — type 02: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 02	Mandatory	Identifies the layout of the Addenda Record. Always "02" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–10	Reference Information #1	7 chars	Alphanumeric	Optional	Additional reference data identifying the transaction. Optional Left-justified and space-filled
11–13	Reference Information #2	3 chars	Alphanumeric	Optional	Additional reference data identifying the transaction. Optional Left-justified and space-filled
14–19	Terminal Identification Code	6 chars	Alphanumeric	Required	Identifies the electronic terminal where the transaction took place. Left-justified and space-filled
20–25	Transaction Serial Number	6 chars	Alphanumeric	Required	Serial number the terminal assigned to the transaction. Left-justified and space-filled
26–29	Transaction Date	4 chars	DateMMDD	Required	Month and day of the transaction. Format MMDD
30–35	Authorization Code or Card Expiration Date	6 chars	Alphanumeric	Optional	Authorization code from the card issuer, or the card expiration date. Optional Left-justified and space-filled
36–62	Terminal Location	27 chars	Alphanumeric	Required	Street address or description of where the terminal is. Left-justified and space-filled
63–77	Terminal City	15 chars	Alphanumeric	Required	City where the terminal is located. Left-justified and space-filled
78–79	Terminal State	2 chars	Alphanumeric	Required	Two-letter state abbreviation of the terminal location. Uppercase postal abbreviation
80–94	Trace Number	15 chars	Numeric	Mandatory	The Trace Number of the entry this addenda belongs to (the same value as in its Entry Detail Record). Identical to positions 80–94 of the Entry Detail Record it follows

98Notification of Change9 fields

Sent by the RDFI on a COR entry to tell the Originator which information in an earlier entry was wrong.

Addenda Record — type 98: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 98	Mandatory	Identifies the layout of the Addenda Record. Always "98" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–6	Change Code	3 chars	CodeSee codes	Mandatory	Identifies the information the RDFI is correcting (C01–C14). "C" followed by two digits Determines how Corrected Data is laid out
7–21	Original Entry Trace Number	15 chars	Numeric	Mandatory	Trace Number of the entry the NOC corrects. 15 digits, copied unchanged
22–27	Reserved	6 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
28–35	Original Receiving DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	The Receiving DFI Identification (positions 4–11) from the original entry. 8 digits, without the check digit
36–64	Corrected Data	29 chars	Alphanumeric	Mandatory	The correct information, laid out as the change code requires. C01: correct account number in the first 17 positions · C02: correct routing number (9 digits) C03: routing number, 3 blanks, then the account number · C05: correct transaction code (2 digits) C06: account number (17) followed by the transaction code · C07: routing (9), account (17), transaction code (2) C04 and C09: correct name or ID number in the first 22 positions
65–79	Reserved	15 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
80–94	Trace Number	15 chars	Numeric	Mandatory	The Trace Number of the NOC entry this addenda belongs to (the same value as in its Entry Detail Record). Identical to positions 80–94 of the Entry Detail Record it follows

98Refused Notification of Change (C61–C69)11 fields

Sent by the ODFI to refuse a Notification of Change that was misrouted or incorrectly formatted.

Addenda Record — type 98: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 98	Mandatory	Identifies the layout of the Addenda Record. Always "98" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–6	Refused COR Code	3 chars	CodeSee codes	Mandatory	Why the ODFI is refusing the NOC (C61–C69). "C" followed by two digits
7–21	Original Entry Trace Number	15 chars	Numeric	Mandatory	Trace Number of the entry the refused NOC related to. 15 digits, copied unchanged
22–27	Reserved	6 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
28–35	Original Receiving DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	The Receiving DFI Identification (positions 4–11) from the original entry. 8 digits, without the check digit
36–64	Corrected Data	29 chars	Alphanumeric	Mandatory	The Corrected Data from the NOC being refused. Copied from the NOC
65–67	Change Code	3 chars	CodeSee codes	Mandatory	The change code of the NOC being refused. Copied from the NOC
68–74	Trace Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the NOC being refused. Right-justified and zero-filled
75–79	Reserved	5 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
80–94	Trace Number	15 chars	Numeric	Mandatory	The Trace Number of the refused NOC entry this addenda belongs to (the same value as in its Entry Detail Record). Identical to positions 80–94 of the Entry Detail Record it follows

99Return8 fields

Sent by the RDFI with a return entry to identify the original entry and the reason it was returned.

Addenda Record — type 99: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 99	Mandatory	Identifies the layout of the Addenda Record. Always "99" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–6	Return Reason Code	3 chars	CodeSee codes	Mandatory	Why the RDFI returned the entry (R01–R85). "R" followed by two digits
7–21	Original Entry Trace Number	15 chars	Numeric	Mandatory	Trace Number of the entry being returned. 15 digits, copied unchanged
22–27	Date of Death	6 chars	DateYYMMDD	Optional	Date of death of the account holder or beneficiary; used with return reasons R14 and R15. Format YYMMDD Blank for other return reasons
28–35	Original Receiving DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	The Receiving DFI Identification (positions 4–11) from the original entry. 8 digits, without the check digit
36–79	Addenda Information	44 chars	Alphanumeric	Optional	Additional information from the RDFI about the return. Optional Left-justified and space-filled
80–94	Trace Number	15 chars	Numeric	Mandatory	The Trace Number of the return entry this addenda belongs to (the same value as in its Entry Detail Record). Identical to positions 80–94 of the Entry Detail Record it follows

99Dishonored return (R61, R62, R67–R70)12 fields

Sent by the ODFI to dishonor a return that was misrouted, untimely, duplicated or contained errors.

Addenda Record — type 99: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 99	Mandatory	Identifies the layout of the Addenda Record. Always "99" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–6	Dishonored Return Reason Code	3 chars	CodeSee codes	Mandatory	Why the ODFI is dishonoring the return. R61, R62, R67, R68, R69 or R70
7–21	Original Entry Trace Number	15 chars	Numeric	Mandatory	Trace Number of the original forward entry. 15 digits, copied unchanged
22–27	Reserved	6 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
28–35	Original Receiving DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	The Receiving DFI Identification (positions 4–11) from the original entry. 8 digits, without the check digit
36–38	Reserved	3 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
39–53	Return Trace Number	15 chars	Numeric	Mandatory	Trace Number of the return entry. 15 digits, copied from the return
54–56	Return Settlement Date	3 chars	Julian dayDDD	Mandatory	Day of the year on which the return settled. Day of the year, 001–366
57–58	Return Reason Code	2 chars	CodeSee codes	Mandatory	Reason code of the return being dishonored. The two digits of the return reason code, without the "R" (e.g. "01" for R01)
59–79	Addenda Information	21 chars	Alphanumeric	Optional	Additional information from the ODFI. Optional Left-justified and space-filled
80–94	Trace Number	15 chars	Numeric	Mandatory	The Trace Number of the dishonored return entry this addenda belongs to (the same value as in its Entry Detail Record). Identical to positions 80–94 of the Entry Detail Record it follows

99Contested dishonored return (R71–R77)15 fields

Sent by the RDFI to contest an ODFI’s dishonor of its return.

Addenda Record — type 99: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 99	Mandatory	Identifies the layout of the Addenda Record. Always "99" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–6	Contested Dishonored Return Reason Code	3 chars	CodeSee codes	Mandatory	Why the RDFI is contesting the dishonored return. R71–R77
7–21	Original Entry Trace Number	15 chars	Numeric	Mandatory	Trace Number of the original forward entry. 15 digits, copied unchanged
22–27	Date Original Entry Returned	6 chars	DateYYMMDD	Mandatory	The date on which the original entry was returned. Format YYMMDD
28–35	Original Receiving DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	The Receiving DFI Identification (positions 4–11) from the original entry. 8 digits, without the check digit
36–38	Original Settlement Date	3 chars	Julian dayDDD	Mandatory	Day of the year on which the original entry settled. Day of the year, 001–366
39–53	Return Trace Number	15 chars	Numeric	Mandatory	Trace Number of the return entry. 15 digits, copied from the return
54–56	Return Settlement Date	3 chars	Julian dayDDD	Mandatory	Day of the year on which the return settled. Day of the year, 001–366
57–58	Return Reason Code	2 chars	CodeSee codes	Mandatory	Reason code of the original return. The two digits of the return reason code, without the "R" (e.g. "01" for R01)
59–73	Dishonored Return Trace Number	15 chars	Numeric	Mandatory	Trace Number of the dishonored return entry. 15 digits
74–76	Dishonored Return Settlement Date	3 chars	Julian dayDDD	Mandatory	Day of the year on which the dishonored return settled. Day of the year, 001–366
77–78	Dishonored Return Reason Code	2 chars	CodeSee codes	Mandatory	Reason code of the dishonored return. The two digits of the code, without the "R" (e.g. "69" for R69)
79	Reserved	1 char	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
80–94	Trace Number	15 chars	Numeric	Mandatory	The Trace Number of the contested dishonored return entry this addenda belongs to (the same value as in its Entry Detail Record). Identical to positions 80–94 of the Entry Detail Record it follows

10IAT transaction and receiver8 fields

First mandatory IAT addenda.

Addenda Record — type 10: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 10	Mandatory	Identifies the layout of the Addenda Record. Always "10" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–6	Transaction Type Code	3 chars	CodeSee codes	Mandatory	Identifies the reason for the international payment. e.g. SAL = salary/payroll, BUS = business, PEN = pension, ANN = annuity, MIS = miscellaneous
7–24	Foreign Payment Amount	18 chars	AmountCents, no decimal point	Required	For inbound IAT, the amount of the payment in the originating currency, in its smallest unit. Right-justified and zero-filled
25–46	Foreign Trace Number	22 chars	Alphanumeric	Optional	Trace number assigned to the entry in the originating national payment system. Optional Left-justified and space-filled
47–81	Receiving Company Name/Individual Name	35 chars	Alphanumeric	Mandatory	Name of the Receiver. Mandatory Left-justified and space-filled
82–87	Reserved	6 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

11IAT originator name and address6 fields

Second mandatory IAT addenda.

Addenda Record — type 11: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 11	Mandatory	Identifies the layout of the Addenda Record. Always "11" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–38	Originator Name	35 chars	Alphanumeric	Mandatory	Name of the Originator. Mandatory Left-justified and space-filled
39–73	Originator Street Address	35 chars	Alphanumeric	Mandatory	Street address of the Originator. Mandatory Left-justified and space-filled
74–87	Reserved	14 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

12IAT originator city and country6 fields

Third mandatory IAT addenda.

Addenda Record — type 12: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 12	Mandatory	Identifies the layout of the Addenda Record. Always "12" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–38	Originator City & State/Province	35 chars	Alphanumeric	Mandatory	City and state or province of the Originator, separated by an asterisk and ending with a backslash. Mandatory Left-justified and space-filled
39–73	Originator Country & Postal Code	35 chars	Alphanumeric	Mandatory	Country and postal code of the Originator, separated by an asterisk and ending with a backslash. Mandatory Left-justified and space-filled
74–87	Reserved	14 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

13IAT originating DFI8 fields

Fourth mandatory IAT addenda.

Addenda Record — type 13: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 13	Mandatory	Identifies the layout of the Addenda Record. Always "13" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–38	Originating DFI Name	35 chars	Alphanumeric	Mandatory	Name of the ODFI (for inbound IAT, the foreign correspondent that sent it). Mandatory Left-justified and space-filled
39–40	Originating DFI Identification Number Qualifier	2 chars	CodeSee codes	Mandatory	Identifies the kind of identification number that follows. 01 = national clearing system number 02 = BIC code 03 = IBAN code
41–74	Originating DFI Identification	34 chars	Alphanumeric	Mandatory	Identification number of the ODFI, of the kind named by the qualifier. Mandatory Left-justified and space-filled
75–77	Originating DFI Branch Country Code	3 chars	Alphanumeric	Mandatory	ISO 3166 country code of the ODFI branch. ISO 3166 country code, left-justified
78–87	Reserved	10 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

14IAT receiving DFI8 fields

Fifth mandatory IAT addenda.

Addenda Record — type 14: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 14	Mandatory	Identifies the layout of the Addenda Record. Always "14" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–38	Receiving DFI Name	35 chars	Alphanumeric	Mandatory	Name of the RDFI. Mandatory Left-justified and space-filled
39–40	Receiving DFI Identification Number Qualifier	2 chars	CodeSee codes	Mandatory	Identifies the kind of identification number that follows. 01 = national clearing system number 02 = BIC code 03 = IBAN code
41–74	Receiving DFI Identification	34 chars	Alphanumeric	Mandatory	Identification number of the RDFI, of the kind named by the qualifier. Mandatory Left-justified and space-filled
75–77	Receiving DFI Branch Country Code	3 chars	Alphanumeric	Mandatory	ISO 3166 country code of the RDFI branch. ISO 3166 country code, left-justified
78–87	Reserved	10 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

15IAT receiver identification and address6 fields

Sixth mandatory IAT addenda.

Addenda Record — type 15: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 15	Mandatory	Identifies the layout of the Addenda Record. Always "15" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–18	Receiver Identification Number	15 chars	Alphanumeric	Optional	Number the Originator uses to identify the Receiver. Optional Left-justified and space-filled
19–53	Receiver Street Address	35 chars	Alphanumeric	Mandatory	Street address of the Receiver. Mandatory Left-justified and space-filled
54–87	Reserved	34 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

16IAT receiver city and country6 fields

Seventh mandatory IAT addenda.

Addenda Record — type 16: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 16	Mandatory	Identifies the layout of the Addenda Record. Always "16" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–38	Receiver City & State/Province	35 chars	Alphanumeric	Mandatory	City and state or province of the Receiver, separated by an asterisk and ending with a backslash. Mandatory Left-justified and space-filled
39–73	Receiver Country & Postal Code	35 chars	Alphanumeric	Mandatory	Country and postal code of the Receiver, separated by an asterisk and ending with a backslash. Mandatory Left-justified and space-filled
74–87	Reserved	14 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

17IAT remittance information (optional, up to 2)5 fields

Optional IAT payment related information.

Addenda Record — type 17: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 17	Mandatory	Identifies the layout of the Addenda Record. Always "17" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–83	Payment Related Information	80 chars	Alphanumeric	Optional	Remittance information for the Receiver. Up to two type 17 addenda per IAT entry Left-justified and space-filled
84–87	Addenda Sequence Number	4 chars	Numeric	Mandatory	Position of this addenda among the type 17 addenda that belong to the same entry, starting at 0001. Starts at 0001 and increases by one for each addenda of the entry Right-justified and zero-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

18IAT foreign correspondent bank (optional, up to 5)9 fields

Identifies a foreign correspondent bank involved in the payment.

Addenda Record — type 18: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 7	Mandatory	Identifies the type of record in the file. Always "7" for the Addenda Record
2–3	Addenda Type Code	2 chars	CodeAlways 18	Mandatory	Identifies the layout of the Addenda Record. Always "18" in this layout 02 = terminal information (POS, SHR, MTE) · 05 = payment related information 10–18 = IAT addenda · 98 = Notification of Change · 99 = return
4–38	Foreign Correspondent Bank Name	35 chars	Alphanumeric	Mandatory	Name of the foreign correspondent bank. Mandatory Left-justified and space-filled
39–40	Foreign Correspondent Bank Identification Number Qualifier	2 chars	CodeSee codes	Mandatory	Identifies the kind of identification number that follows. 01 = national clearing system number 02 = BIC code 03 = IBAN code
41–74	Foreign Correspondent Bank Identification Number	34 chars	Alphanumeric	Mandatory	Identification number of the correspondent bank, of the kind named by the qualifier. Mandatory Left-justified and space-filled
75–77	Foreign Correspondent Bank Branch Country Code	3 chars	Alphanumeric	Mandatory	ISO 3166 country code of the correspondent bank branch. ISO 3166 country code, left-justified
78–83	Reserved	6 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
84–87	Addenda Sequence Number	4 chars	Numeric	Mandatory	Position of this addenda among the type 18 addenda that belong to the same entry, starting at 0001. Starts at 0001 and increases by one for each addenda of the entry Right-justified and zero-filled
88–94	Entry Detail Sequence Number	7 chars	Numeric	Mandatory	The last 7 digits of the Trace Number of the Entry Detail Record this addenda belongs to. Links the addenda to its entry Right-justified and zero-filled

Company/Batch Control Record

Contains the counts, hash totals, and total dollar amounts for the preceding batch.

Company/Batch Control Record: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 8	Mandatory	Identifies the type of record in the file. Always "8" for the Company/Batch Control Record
2–4	Service Class Code	3 chars	CodeSee codes	Mandatory	Identifies whether the batch contains debits, credits or both. Must match the Service Class Code in the Company/Batch Header Record
5–10	Entry/Addenda Count	6 chars	Numeric	Mandatory	The number of Entry Detail and Addenda Records in the batch. Counts every type 6 and type 7 record in the batch Right-justified and zero-filled
11–20	Entry Hash	10 chars	Numeric	Mandatory	Sum of the 8-digit Receiving DFI Identifications (positions 4–11) of every entry in the batch. If the sum has more than 10 digits, only the rightmost 10 are kept Right-justified and zero-filled
21–32	Total Debit Entry Dollar Amount	12 chars	AmountCents, no decimal point	Mandatory	Total of all debit entries in the batch, in cents. In cents, with no decimal point; zero when the batch has no debits Right-justified and zero-filled
33–44	Total Credit Entry Dollar Amount	12 chars	AmountCents, no decimal point	Mandatory	Total of all credit entries in the batch, in cents. In cents, with no decimal point; zero when the batch has no credits Right-justified and zero-filled
45–54	Company Identification	10 chars	Alphanumeric	Required	Identifies the Originator. Must match the Company Identification (IAT: Originator Identification) in the Company/Batch Header Record
55–73	Message Authentication Code	19 chars	Alphanumeric	Optional	Code used to authenticate the batch when the ODFI and RDFI use message authentication. Optional; normally blank Left-justified and space-filled
74–79	Reserved	6 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled
80–87	Originating DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	First 8 digits of the routing number of the ODFI. Must match the ODFI in the Company/Batch Header Record
88–94	Batch Number	7 chars	Numeric	Mandatory	The number of the batch this record closes. Must match the Batch Number in the Company/Batch Header Record Right-justified and zero-filled

Accounting advice (ADV) batches

ADVAutomated Accounting Advices9 fields

Batch control for ADV batches (Service Class Code 280); dollar totals are 20 digits long.

Company/Batch Control Record — ADV: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 8	Mandatory	Identifies the type of record in the file. Always "8" for the Company/Batch Control Record
2–4	Service Class Code	3 chars	CodeSee codes	Mandatory	Identifies whether the batch contains debits, credits or both. Must match the Service Class Code in the Company/Batch Header Record
5–10	Entry/Addenda Count	6 chars	Numeric	Mandatory	The number of Entry Detail and Addenda Records in the batch. Counts every type 6 and type 7 record in the batch Right-justified and zero-filled
11–20	Entry Hash	10 chars	Numeric	Mandatory	Sum of the 8-digit Receiving DFI Identifications (positions 4–11) of every entry in the batch. If the sum has more than 10 digits, only the rightmost 10 are kept Right-justified and zero-filled
21–40	Total Debit Entry Dollar Amount	20 chars	AmountCents, no decimal point	Mandatory	Total of all debit advices in the batch, in cents. 20 digits, in cents, zero-filled
41–60	Total Credit Entry Dollar Amount	20 chars	AmountCents, no decimal point	Mandatory	Total of all credit advices in the batch, in cents. 20 digits, in cents, zero-filled
61–79	ACH Operator Data	19 chars	Alphanumeric	Optional	For use by the ACH Operator that prepared the advice file. Left-justified and space-filled
80–87	Originating DFI Identification	8 chars	RoutingTTTTAAAA	Mandatory	First 8 digits of the routing number of the ODFI. Must match the ODFI in the Company/Batch Header Record
88–94	Batch Number	7 chars	Numeric	Mandatory	The number of the batch this record closes. Must match the Batch Number in the Company/Batch Header Record Right-justified and zero-filled

File Control Record

Contains the counts, hash totals, and total dollar amounts for all batches in the file.

File Control Record: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 9	Mandatory	Identifies the type of record in the file. Always "9" for the File Control Record
2–7	Batch Count	6 chars	Numeric	Mandatory	The number of batches (Company/Batch Header Records) in the file. Right-justified and zero-filled
8–13	Block Count	6 chars	Numeric	Mandatory	The number of 10-record blocks in the file, counting the File Header, File Control and block-fill records. Equals the total number of records divided by 10 Right-justified and zero-filled
14–21	Entry/Addenda Count	8 chars	Numeric	Mandatory	The total number of Entry Detail and Addenda Records in the file. Equals the sum of the Entry/Addenda Count fields of all Batch Control Records Right-justified and zero-filled
22–31	Entry Hash	10 chars	Numeric	Mandatory	Sum of the Entry Hash fields of all Company/Batch Control Records in the file. If the sum has more than 10 digits, only the rightmost 10 are kept Right-justified and zero-filled
32–43	Total Debit Entry Dollar Amount in File	12 chars	AmountCents, no decimal point	Mandatory	Total of all debit entries in the file, in cents. Sum of the Total Debit Entry Dollar Amount fields of all Batch Control Records In cents, with no decimal point; zero-filled
44–55	Total Credit Entry Dollar Amount in File	12 chars	AmountCents, no decimal point	Mandatory	Total of all credit entries in the file, in cents. Sum of the Total Credit Entry Dollar Amount fields of all Batch Control Records In cents, with no decimal point; zero-filled
56–94	Reserved	39 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled

Accounting advice (ADV) files

ADVAutomated Accounting Advices8 fields

File Control Record of an ADV file prepared by an ACH Operator; dollar totals are 20 digits long.

File Control Record — ADV: positions, fields and rules
Position	Field	Length	Type	M/R/O	Description
1	Record Type Code	1 char	CodeAlways 9	Mandatory	Identifies the type of record in the file. Always "9" for the File Control Record
2–7	Batch Count	6 chars	Numeric	Mandatory	The number of batches (Company/Batch Header Records) in the file. Right-justified and zero-filled
8–13	Block Count	6 chars	Numeric	Mandatory	The number of 10-record blocks in the file, counting the File Header, File Control and block-fill records. Equals the total number of records divided by 10 Right-justified and zero-filled
14–21	Entry/Addenda Count	8 chars	Numeric	Mandatory	The total number of Entry Detail and Addenda Records in the file. Equals the sum of the Entry/Addenda Count fields of all Batch Control Records Right-justified and zero-filled
22–31	Entry Hash	10 chars	Numeric	Mandatory	Sum of the Entry Hash fields of all Company/Batch Control Records in the file. If the sum has more than 10 digits, only the rightmost 10 are kept Right-justified and zero-filled
32–51	Total Debit Entry Dollar Amount in File	20 chars	AmountCents, no decimal point	Mandatory	Total of all debit advices in the file, in cents. 20 digits, in cents, zero-filled
52–71	Total Credit Entry Dollar Amount in File	20 chars	AmountCents, no decimal point	Mandatory	Total of all credit advices in the file, in cents. 20 digits, in cents, zero-filled
72–94	Reserved	23 chars	Alphanumeric	Not applicable: reserved, or filled in by the ACH Operator	Reserved for future use. Leave blank. Space-filled

Block-fill records

A file’s record count must be a multiple of 10 (the blocking factor in the File Header). When it isn’t, records of 94 nines follow the File Control to fill the last block. They carry no data, and the File Control’s block count includes them.

9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999

Code tables

The codes, decoded

The values that go in the code fields above, from the same tables the viewer uses to explain a file.

Transaction codes

Entry Detail: positions 2–3. The first digit is the account type; the second says whether it is a credit (1–4) or a debit (5–9), and whether it is live, a prenote, zero-dollar or a return.

Transaction codes
Code	Meaning	Account	Direction
21	Return or NOC of a checking credit (original code 22, 23 or 24)	Checking	Credit
22	Checking credit (deposit)	Checking	Credit
23	Prenote: checking credit (also DNE and ENR non-dollar entries)	Checking	Credit
24	Zero-dollar checking credit with remittance data (CCD, CTX, IAT); ACK and ATX acknowledgments	Checking	Credit
25	Reserved (not assigned)	Checking	Debit
26	Return or NOC of a checking debit (original code 27, 28 or 29)	Checking	Debit
27	Checking debit (payment)	Checking	Debit
28	Prenote: checking debit	Checking	Debit
29	Zero-dollar checking debit with remittance data (CCD, CTX, IAT)	Checking	Debit
31	Return or NOC of a savings credit (original code 32, 33 or 34)	Savings	Credit
32	Savings credit (deposit)	Savings	Credit
33	Prenote: savings credit (also DNE and ENR non-dollar entries)	Savings	Credit
34	Zero-dollar savings credit with remittance data (CCD, CTX, IAT); ACK and ATX acknowledgments	Savings	Credit
35	Reserved (not assigned)	Savings	Debit
36	Return or NOC of a savings debit (original code 37, 38 or 39)	Savings	Debit
37	Savings debit (payment)	Savings	Debit
38	Prenote: savings debit	Savings	Debit
39	Zero-dollar savings debit with remittance data (CCD, CTX, IAT)	Savings	Debit
41	Return or NOC of a general ledger credit (original code 42, 43 or 44)	General ledger	Credit
42	General ledger credit (deposit)	General ledger	Credit
43	Prenote: general ledger credit	General ledger	Credit
44	Zero-dollar general ledger credit with remittance data (CCD, CTX)	General ledger	Credit
45	Reserved (not assigned)	General ledger	Debit
46	Return or NOC of a general ledger debit (original code 47, 48 or 49)	General ledger	Debit
47	General ledger debit (payment)	General ledger	Debit
48	Prenote: general ledger debit	General ledger	Debit
49	Zero-dollar general ledger debit with remittance data (CCD, CTX)	General ledger	Debit
51	Return or NOC of a loan credit (original code 52, 53 or 54)	Loan	Credit
52	Loan account credit (deposit to a loan)	Loan	Credit
53	Prenote: loan credit	Loan	Credit
54	Zero-dollar loan credit with remittance data (CCD, CTX)	Loan	Credit
55	Loan account debit (reversals only)	Loan	Debit
56	Return or NOC of a loan debit (original code 55)	Loan	Debit
81	ADV: credit for ACH debits originated	Accounting (ADV)	Credit
82	ADV: debit for ACH credits originated	Accounting (ADV)	Debit
83	ADV: credit for ACH credits received	Accounting (ADV)	Credit
84	ADV: debit for ACH debits received	Accounting (ADV)	Debit
85	ADV: credit for ACH credits in rejected batches	Accounting (ADV)	Credit
86	ADV: debit for ACH debits in rejected batches	Accounting (ADV)	Debit
87	ADV: summary credit for respondent ACH activity	Accounting (ADV)	Credit
88	ADV: summary debit for respondent ACH activity	Accounting (ADV)	Debit

12 of 41 transaction codes

Standard Entry Class (SEC) codes

Company/Batch Header: positions 51–53. The SEC code decides the Entry Detail layout and which addenda an entry may carry.

Standard Entry Class (SEC) codes
SEC	Name	Used for	Moves	Addenda
ACK	ACH Payment Acknowledgment	Zero-dollar acknowledgment of a CCD credit, sent by the RDFI.	Zero-dollar	Up to 1 (type 05)
ADV	Automated Accounting Advice	Accounting advices an ACH Operator sends to a DFI (Service Class Code 280).	Credits and debits	None
ARC	Accounts Receivable Entry	Consumer check received by mail or at a drop box, converted to a one-time debit.	Debits	None
ATX	Financial EDI Acknowledgment	Zero-dollar acknowledgment of a CTX credit, sent by the RDFI.	Zero-dollar	Up to 9,999 (type 05)
BOC	Back Office Conversion Entry	Check presented in person and converted to a debit in the back office.	Debits	None
CCD	Corporate Credit or Debit Entry	Credit or debit between business accounts.	Credits and debits	Up to 1 (type 05)
CIE	Customer Initiated Entry	Credit initiated by a consumer, such as an online bill payment.	Credits	Up to 1 (type 05)
COR	Notification of Change or Refused Notification of Change	Zero-dollar entry correcting information in an earlier entry.	Zero-dollar	1 required (type 98)
CTX	Corporate Trade Exchange	Business-to-business payment with up to 9,999 addenda of EDI remittance data.	Credits and debits	Up to 9,999 (type 05)
DNE	Death Notification Entry	Zero-dollar notice from a Federal Government agency that a benefit recipient has died.	Zero-dollar	1 required (type 05)
ENR	Automated Enrollment Entry	Zero-dollar entry enrolling a beneficiary in Federal Government direct deposit.	Zero-dollar	1 to 9,999 (type 05)
IAT	International ACH Transaction	Entry involving a financial agency outside the United States.	Credits and debits	7 to 14 (type 10–18)
MTE	Machine Transfer Entry	Entry initiated at an ATM or other electronic terminal.	Credits and debits	1 required (type 02)
POP	Point-of-Purchase Entry	Check converted to a debit at the point of purchase.	Debits	None
POS	Point-of-Sale Entry	Debit card purchase at an electronic terminal.	Credits and debits	1 required (type 02)
PPD	Prearranged Payment and Deposit Entry	Consumer credit or debit under a standing authorization, e.g. payroll direct deposit.	Credits and debits	Up to 1 (type 05)
RCK	Re-presented Check Entry	Returned check re-presented as a debit.	Debits	None
SHR	Shared Network Transaction	Point-of-sale entry through a shared network.	Credits and debits	1 required (type 02)
TEL	Telephone-Initiated Entry	Consumer debit authorized orally over the telephone.	Debits	None
TRC	Truncated Entry	Debit for a check truncated under a check truncation program.	Debits	None
TRX	Truncated Entries Exchange	Batched debit for truncated checks listed in addenda records.	Debits	Up to 9,999 (type 05)
WEB	Internet-Initiated/Mobile Entry	Consumer debit authorized online or on a mobile device, or a person-to-person credit.	Credits and debits	Up to 1 (type 05)
XCK	Destroyed Check Entry	Debit collecting a check lost or destroyed in transit.	Debits	None

10 of 23 SEC codes

Service class codes

Company/Batch Header: positions 2–4; Company/Batch Control: positions 2–4. Whether a batch holds credits, debits or both.

Service class codes
Code	Meaning
200	ACH entries mixed debits and credits
220	ACH credits only
225	ACH debits only
280	ACH automated accounting advices (ADV)

Return reason codes

Addenda (type 99): positions 4–6, 57–58 and 77–78. Why an RDFI returned an entry, plus the dishonored and contested return codes.

Return reason codes
Code	Reason	Note
R01	Insufficient Funds
R02	Account Closed
R03	No Account/Unable to Locate Account
R04	Invalid Account Number Structure
R05	Unauthorized Debit to Consumer Account Using Corporate SEC Code
R06	Returned per ODFI's Request
R07	Authorization Revoked by Customer
R08	Payment Stopped
R09	Uncollected Funds
R10	Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver's Account
R11	Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12	Account Sold to Another DFI
R13	Invalid ACH Routing Number
R14	Representative Payee Deceased or Unable to Continue in That Capacity
R15	Beneficiary or Account Holder (Other Than a Representative Payee) Deceased
R16	Account Frozen/Entry Returned per OFAC Instruction
R17	File Record Edit Criteria/Entry with Invalid Account Number Initiated Under Questionable Circumstances/Return of Improperly-Initiated Reversal
R18	Improper Effective Entry Date
R19	Amount Field Error
R20	Non-Transaction Account
R21	Invalid Company Identification
R22	Invalid Individual ID Number
R23	Credit Entry Refused by Receiver
R24	Duplicate Entry
R25	Addenda Error
R26	Mandatory Field Error
R27	Trace Number Error
R28	Routing Number Check Digit Error
R29	Corporate Customer Advises Not Authorized
R30	RDFI Not Participant in Check Truncation Program
R31	Permissible Return Entry	CCD and CTX only
R32	RDFI Non-Settlement
R33	Return of XCK Entry
R34	Limited Participation DFI
R35	Return of Improper Debit Entry
R36	Return of Improper Credit Entry
R37	Source Document Presented for Payment
R38	Stop Payment on Source Document
R39	Improper Source Document/Source Document Presented for Payment
R40	Return of ENR Entry by Federal Government Agency	ENR only
R41	Invalid Transaction Code	ENR only
R42	Routing Number/Check Digit Error	ENR only
R43	Invalid DFI Account Number	ENR only
R44	Invalid Individual ID Number/Identification Number	ENR only
R45	Invalid Individual Name/Company Name	ENR only
R46	Invalid Representative Payee Indicator	ENR only
R47	Duplicate Enrollment	ENR only
R50	State Law Affecting RCK Acceptance
R51	Item Related to RCK Entry is Ineligible or RCK Entry is Improper
R52	Stop Payment on Item Related to RCK Entry
R53	Item and RCK Entry Presented for Payment
R61	Misrouted Return	Dishonored return (sent by the ODFI)
R62	Return of Erroneous or Reversing Debit	Dishonored return (sent by the ODFI)
R67	Duplicate Return	Dishonored return (sent by the ODFI)
R68	Untimely Return	Dishonored return (sent by the ODFI)
R69	Field Error(s)	Dishonored return (sent by the ODFI)
R70	Permissible Return Entry Not Accepted/Return Not Requested by ODFI	Dishonored return (sent by the ODFI)
R71	Misrouted Dishonored Return	Contested dishonored return (sent by the RDFI)
R72	Untimely Dishonored Return	Contested dishonored return (sent by the RDFI)
R73	Timely Original Return	Contested dishonored return (sent by the RDFI)
R74	Corrected Return	Contested dishonored return (sent by the RDFI)
R75	Return Not a Duplicate	Contested dishonored return (sent by the RDFI)
R76	No Errors Found	Contested dishonored return (sent by the RDFI)
R77	Non-Acceptance of R62 Dishonored Return	Contested dishonored return (sent by the RDFI)
R80	IAT Entry Coding Error	IAT only
R81	Non-Participant in IAT Program	IAT only
R82	Invalid Foreign Receiving DFI Identification	IAT only
R83	Foreign Receiving DFI Unable to Settle	IAT only
R84	Entry Not Processed by Gateway	IAT only
R85	Incorrectly Coded Outbound International Payment	IAT only

12 of 70 return codes

Change codes (notifications of change)

Addenda (type 98): positions 4–6 and 65–67. What an RDFI is correcting, and how the corrected data is laid out.

Change codes (notifications of change)
Code	Change	Corrected data
C01	Incorrect DFI Account Number	Correct DFI Account Number in the first 17 positions
C02	Incorrect Routing Number	Correct routing number (9 digits, with check digit) in the first 9 positions
C03	Incorrect Routing Number and Incorrect DFI Account Number	Correct routing number (9), three blanks, then the correct DFI Account Number (17)
C04	Incorrect Individual Name/Receiving Company Name	Correct name in the first 22 positions
C05	Incorrect Transaction Code	Correct Transaction Code in the first 2 positions
C06	Incorrect DFI Account Number and Incorrect Transaction Code	Correct DFI Account Number (17) followed by the correct Transaction Code (2)
C07	Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code	Correct routing number (9), DFI Account Number (17) and Transaction Code (2)
C08	Incorrect Receiving DFI Identification (IAT only)	Correct Receiving DFI Identification
C09	Incorrect Individual Identification Number	Correct Individual Identification Number in the first 22 positions
C10	Incorrect Company Name	Correct Company Name in the first 16 positions
C11	Incorrect Company Identification	Correct Company Identification in the first 10 positions
C12	Incorrect Company Name and Company Identification	Correct Company Name (16) and Company Identification (10)
C13	Addenda Format Error	Information that was incorrectly formatted in the addenda
C14	Incorrect SEC Code for Outbound International Payment	"IAT" in the first 3 positions
C61	Misrouted Notification of Change	Refused NOC: sent back by the ODFI
C62	Incorrect Trace Number	Refused NOC: sent back by the ODFI
C63	Incorrect Company Identification Number	Refused NOC: sent back by the ODFI
C64	Incorrect Individual Identification Number/Identification Number	Refused NOC: sent back by the ODFI
C65	Incorrectly Formatted Corrected Data	Refused NOC: sent back by the ODFI
C66	Incorrect Discretionary Data	Refused NOC: sent back by the ODFI
C67	Routing Number Not From Original Entry Detail Record	Refused NOC: sent back by the ODFI
C68	DFI Account Number Not From Original Entry Detail Record	Refused NOC: sent back by the ODFI
C69	Incorrect Transaction Code	Refused NOC: sent back by the ODFI

14 of 23 change codes

Addenda type codes

Addenda: positions 2–3. Each type has its own layout, listed under Addenda Record above.

Addenda type codes
Code	Meaning
02	Point-of-sale terminal information (POS, SHR, MTE)
05	Payment related information
10	IAT: transaction type, foreign amount and receiver name
11	IAT: originator name and street address
12	IAT: originator city, state, country and postal code
13	IAT: originating DFI name, identification and branch country
14	IAT: receiving DFI name, identification and branch country
15	IAT: receiver identification number and street address
16	IAT: receiver city, state, country and postal code
17	IAT: payment related information (optional)
18	IAT: foreign correspondent bank (optional)
98	Notification of Change or refused Notification of Change
99	Return, dishonored return or contested dishonored return

Other codes

Smaller code lists used by specific fields and entry types.

Originator status codes

Company/Batch Header: position 79

Originator status codes
Code	Meaning
0	ADV file prepared by an ACH Operator
1	Depository financial institution bound by the Nacha Rules
2	Federal Government entity or agency not subject to the Nacha Rules

Addenda record indicator

Entry Detail: position 79

Addenda record indicator
Code	Meaning
0	No addenda record follows
1	One or more addenda records follow

Payment type codes

Entry Detail (WEB, TEL): positions 77–78

Payment type codes
Code	Meaning
R	Recurring
S	Single entry
ST	Subsequent entry under a standing authorization

Card transaction type codes

Entry Detail (POS, SHR): positions 77–78

Card transaction type codes
Code	Meaning
01	Purchase of goods or services
02	Cash
03	Return reversal
11	Purchase reversal
12	Cash reversal
13	Return
21	Adjustment
99	Miscellaneous transaction

IAT transaction type codes

Addenda (type 10): positions 4–6

IAT transaction type codes
Code	Meaning
ANN	Annuity
BUS	Business/Commercial
DEP	Deposit
LOA	Loan
MIS	Miscellaneous
MOR	Mortgage
PEN	Pension
REM	Remittance
RLS	Rent/Lease
SAL	Salary/Payroll
TAX	Tax
ARC	Accounts Receivable Check
BOC	Back Office Conversion
MTE	Machine Transfer Entry
POP	Point-of-Purchase
POS	Point-of-Sale
RCK	Re-presented Check
SHR	Shared Network Transaction
TEL	Telephone-Initiated
WEB	Internet-Initiated/Mobile

Foreign exchange indicators

Company/Batch Header (IAT): positions 21–22

Foreign exchange indicators
Code	Meaning
FV	Fixed-to-variable: originated as a fixed amount, received after currency conversion
VF	Variable-to-fixed: converted at a rate so that a fixed amount is received
FF	Fixed-to-fixed: same currency at both ends, no conversion

Foreign exchange reference indicators

Company/Batch Header (IAT): position 23

Foreign exchange reference indicators
Code	Meaning
1	Foreign exchange rate
2	Foreign exchange reference number
3	Space-filled (no reference)

ID number qualifiers

Addenda (type 13, type 14, type 18): positions 39–40

ID number qualifiers
Code	Meaning
01	National clearing system number
02	BIC code
03	IBAN code

OFAC screening indicators

Entry Detail (IAT): positions 77 and 78

OFAC screening indicators
Code	Meaning
0	Not flagged by OFAC screening
1	Flagged as a possible OFAC match

The official rules

This reference follows the record formats in the Nacha Operating Rules. Nacha publishes the rules and updates them every year; check the current edition before you build or certify a file. NACHA Navigator is independent and not affiliated with Nacha.

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