Specification

NACHA File Spec

Overall:
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Recent:
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94-character format for Electronic Funds Transfer
True
False
ACH, Automated Clearing House, EFT
jaa928
05/01/2023
09/09/2023

File Layout
File Layouts define record the order and layout of the records used to exchange data with a vendor.
Automatic Clearing House Debits
ASCII
Reverse transaction
ASCII
Share Draft Clearing as 94L
ASCII
ATM Settlement file as 94L
ASCII
Everybody's doing it
ASCII

Value Lists

Value List
Description
Active
First character of a line. Indicates the type of record with a one-digit code.
Yes
Standard Entry Class Code SEC Code generally indicates: The nature of the transaction as consumer or corporate in nature (i.e., whether the funds transfer affects a consumer account or a corporate account at the RDFI). Whether the transaction is single-e
Yes
The transaction code identifies a transaction as a debit or credit – and indicates the type of account to which the transaction is intended (i.e. checking or savings). The transaction code is a mandatory numeric field for the Entry Detail Record (‘6’) and is in positions 02-03.
Yes
Indicates the reason for a returned entry
Yes
Notification Of Change Fields
Yes
User
Privilege
Can Edit
Admin?
Added By
Added On
Rating
User
Caption
Reviewed
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