Sample payment files

NACHA·sample-ppd.ach·1.9 KB

PPD payroll (classic sample)

The original NACHA Navigator sample — MY COMPANY USA prenoting its payroll accounts in two PPD batches, plus one $0.10 credit — corrected so that it passes every check.

• Prenotes to checking (23) and savings (33), and a live checking credit (22)
• Two PPD batches with balanced controls
• Block fill to 20 records

NACHA·sample-ccd-addenda.ach·1.9 KB

CCD vendor payments with remittance addenda

A credits-only CCD batch paying vendors with one type 05 addenda each, and a debits-only CCD batch collecting invoices.

• Service Class Codes 220 and 225
• Type 05 addenda with X12 RMR segments and plain text
• A zero-dollar remittance entry (Transaction Code 24)

NACHA·sample-ctx.ach·1.9 KB

CTX payments with EDI 820 remittance

Two CTX payments whose ANSI X12 820 remittance advice spans several type 05 addenda records.

• Number of Addenda Records (positions 55–58)
• Addenda sequence numbers 0001–0004
• Receiving Company Name/ID Number layout

NACHA·sample-returns-noc.ach·2.8 KB

Returns and Notifications of Change

A file sent back by an RDFI: a PPD batch of returns (R01, R02, R03, R10, R15) and a COR batch of NOCs (C01, C02, C05).

• Return Transaction Codes 21, 26 and 36 with type 99 addenda
• Date of death on an R15 return
• Type 98 addenda with corrected account, routing number and transaction code

NACHA·sample-with-errors.ach·1.1 KB

Validation demo (deliberate errors)

A small payroll file damaged on purpose so the validator has something to find. Every problem is listed below.

• Control totals that do not add up
• Routing, trace and addenda problems
• A record with its trailing blanks stripped

The 12 problems in it, on purpose:

• Line 3: Routing number 065503349 fails the check-digit test (its first eight digits imply 8, not 9) ED_RDFI_CHECK_DIGIT
• Line 4: Prenote (Transaction Code 23) for $10.00; prenotes must be zero ED_PRENOTE_AMOUNT
• Line 5: Trace number …0000002 follows …0000003 ED_TRACE_ORDER
• Line 6: Addenda Record Indicator 1, but no addenda record follows ED_ADDENDA_INDICATOR
• Line 7: Entry Hash 0099999999; the RDFI numbers add up to 0066196257 BC_ENTRY_HASH
• Line 7: Total credit $9,999.99; the credits add up to $4,340.00 BC_TOTAL_CREDIT
• Line 8: Effective Entry Date 261131 (November 31) INVALID_DATE
• Line 9: A debit (Transaction Code 27) in a credits-only batch (Service Class Code 220) ED_SERVICE_CLASS_MISMATCH
• Line 11: Batch Control Company Identification differs from the Batch Header BC_COMPANY_ID
• Line 12: Batch Count 1; the file has 2 batches FC_BATCH_COUNT
• Line 12: File Control Record is 55 characters: its trailing blanks were stripped RECORD_LENGTH
• Line 12: 12 records and no block fill (warning) BLOCK_FILL_MISSING

NACHA·sample-reversal-demo.ach·1.9 KB

Reversal demo (payroll, memberships, vendor payment)

The file behind the reversal demo, as generated for October 27, 2026: a payroll batch, a batch of membership debits and a vendor payment with a remittance addenda.

• Credits and debits across three batches
• A prenote that can’t be reversed
• A CCD payment with a remittance addenda

The demo link builds the same file in your browser for today’s date, so its five-banking-day reversal window is always open; the dates in this download stay as they were generated.

BAI2·sample-multi-account.bai·1.8 KB

Prior-day and same-day report, 5 accounts

Two groups (final prior-day and interim same-day), five accounts in USD, EUR and JPY, balances and summaries continued on 88 records, funds types S, V, D and Z, a non-monetary 890 record, and long text with commas and slashes continued on 88 records. Every control total and record count is correct.

BAI2·sample-simple.bai·346 bytes

One account, two transactions

The smallest useful report: one group, one account with opening and closing ledger balances, a check deposit and an ACH withdrawal whose text continues on two 88 records.

BAI2·sample-with-errors.bai·591 bytes

Report with deliberate errors

Three accounts with fifteen problems placed on purpose to show what the validator reports.

The 15 problems in it, on purpose:

• Line 1: File Creation Time 2575 is not a valid time.
• Line 2: As-of-Date Modifier 5 is not one of 1–4.
• Line 4: Funds Type X is not a BAI2 funds type.
• Line 5: A transaction amount is negative (16 amounts are unsigned).
• Line 6: Status code 015 (Closing Ledger) is used as a transaction.
• Line 7: The amount 1250.00 has a decimal point (BAI2 amounts use implied decimals).
• Line 8: The Account Control Total does not match the account’s amounts.
• Line 9: Currency code US is not an ISO 4217 code.
• Line 10: Value date 261332 has month 13.
• Line 11: Type code 850 is not in the BAI2 list (information only).
• Line 12: A blank line (information only).
• Line 13: The account that starts on line 9 has no Account Trailer (49).
• Line 16: 88 used as the Group Trailer instead of 98 (read as a 98, with a "Did you mean 98?" warning).
• Line 16: The group trailer says 2 accounts; the group has 3.
• Line 17: The File Trailer says 99 records; the file has 16.

X9.37·sample-cash-letter.x9·54.3 KB

Image cash letter with six checks

One cash letter of 2 bundles holding 6 checks for $5,216.50 in all, with the front and back image of every check. Business date October 26, 2026.

• EBCDIC records with 4-byte length prefixes, Standard Level 35 (X9.100-187-2013 or later)
• 12 image views: TIFF, CCITT Group 4, black and white
• A Check Detail Addendum A (26) on every check and one Addendum C (28)
• Marked as a test file (Test File Indicator T), which the viewer notes

The X9 Viewer has no link that opens this file directly: open the viewer and use its sample button.