www.rcbbank.com ACH File Format

 

The file created must be written in compliance with the NACHA format.

There are six different record formats that will be utilized, each record format has 94 characters per record. The number of records must be a multiple of 10, therefore the total characters in a file must be a multiple of 940 characters. Should the file not be a multiple of 10 records or a multiple of 940 characters, the remaining portion of the file should be padded with the '9' character to achieve a file size of a multiple of 940.

 

 

 
File Format for PPD Entries
ACH File Record Types File Header
Batch Header
Entry Detail
Addenda
Batch Control
File Control

 

 
File Header Record
Data Element Name Record Type Priority Code Immediate Destination Immediate Origin Transmission Date Transmission Time File ID Modifier Record Size Blocking Factor Format Code Immediate Destination Name Immediate Origin Name Reference Code
Field Inclusion Requirement M R M M M O M M M M M M O
Contents '1' '01' bTTTTAAAAC bTTTTAAAAC YYMMDD HHMM Alphanumeric '094' '10' '1' Alphanumeric Alphanumeric Alphanumeric
Length 1 2 10 10 6 4 1 3 2 1 23 23 8
Position 01-01 02-03 04-13 14-23 24-29 30-33 34-34 35-37 38-39 40-40 41-63 64-86 87-94

Some Recommended Values for the File Header Record
Immediate Destination 103112594 Immediate Origin (Company Tax ID)
Immediate Destination Name RCB Bank Claremore Immediate Origin Name (Company Name)
Transmission Date date file is created Transmission Time time file is created
File ID Modifier A Reference Code 10311259

 

 
Batch Header Record
Data Element Name Record Type Service Class Code Company Name Company Discretionary Data Company Identification Standard Entry Class Code Company Entry Description Company Descriptive Date Effective Entry Date Settlement Date (Julian) Originator Status Code Originating DFI Identification Batch Number
Field Inclusion Requirement M M M O R M M O R M M M R
Contents '5' Numeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric MMDDYY YYMMDD '000' '1' TTTTAAAA Numeric
Length 1 3 16 20 10 3 10 6 6 3 1 8 7
Position 01-01 02-04 05-20 21-40 41-50 51-53 54-63 64-69 70-75 76-78 79-79 80-87 88-94

Some Recommended Values for the Batch Header Record
Service Class Code Use only one: 200 Mixed, 220 Credits Only, 225 Debits Only
Company Name (Company Name as appears on ACH contract)
If the company name shown above is longer than 16 characters, please abbreviate.
Company Discretionary Data Use to identify this particular transaction
Company Identification ('1'+Company Tax ID)
Standard Entry Class Code PPD (Prearranged Payment & Deposit Entry)
Company Entry Description A general identification term. (Example: Payroll)
Company Descriptive Date Descriptive date in the MMDDYY format
Effective Entry Date Date transactions are to post in the YYMMDD format
Originating DFI Identification (1st eight Digits of the Company Tax ID)
Batch Number (you must create)

 

 
Entry Detail Record
Data Element Name Record Type Code Transaction Code Receiving DFI Identification Check Digit DFI Account Number Amount Individual Identification Number Individual Name Discretionary Data Addenda Record Indicator Trace Number
Field Inclusion Requirement M M M M R M O R O M M
Contents '6' Numeric TTTTAAAA Numeric Alphanumeric $$$$$$$$¢¢ Alphanumeric Alphanumeric Alphanumeric Numeric Numeric
Length 1 2 8 1 17 10 15 22 2 1 15
Position 01-01 02-03 04-11 12-12 13-29 30-39 40-54 55-76 77-78 79-79 80-94

Some Recommended Values for the Entry Detail Record
Transaction Code

(Use only one)		 22 - DDA Credit (Deposit) 23 - DDA Credit Prenote
27 - DDA Debit (Withdrawal) 28 - DDA Debit Prenote
32 - Savings Credit (Deposit) 33 - Savings Credit Prenote
37 - Savings Debit (Withdrawal) 38 - Savings Debit Prenote
Receiving DFI Identification First eight digits of Transit Routing Number of Bank
Check Digit Ninth digit of Transit Routing Number of Bank
DFI Account Number Account Number for transaction to post to
Addenda Record Indicator 0 No Addenda Record(s) follow
Trace Number Originating DFI Identification plus a sequence number

 

 
Addenda Record
Data Element Name Record Type Code Addenda Type Code Free Form Special Addenda Sequence Number Entry Detail Sequence #
Field Inclusion Requirement M M O M M
Contents '7' '05' Alphanumeric Numeric Numeric
Length 1 2 80 4 7
Position 01-01 02-03 04-83 84-87 88-94

 

 
Batch Control Record
Data Element Name Record Type Code Service Class Code Entry/Addenda Count Entry Hash Total Debit Entry Dollar Amount Total Credit Entry Dollar Amount Company Identification Message Authentication Code Reserved Originating DFI Identification Batch Number
Field Inclusion Requirement M M M M M M R O N/A M R
Contents '8' Numeric Numeric Numeric $$$$$$$$$$¢¢ $$$$$$$$$$¢¢ Alphanumeric Alphanumeric Blank TTTTAAAA Numeric
Length 1 3 6 10 12 12 10 19 6 8 7
Position 01-01 02-04 05-10 11-20 21-32 33-44 45-54 55-73 74-79 80-87 88-94

Some Recommended Values for the Batch Control Record
Service Class Code Same as used in Batch Header Record
Entry/Addenda Count A record count of the total number of Entry Detail Records
Entry Hash Not needed at this time
Total Debit Entry Dollar Amount Amount from all Debit Entry Detail Records in this batch
Total Credit Entry Dollar Amount Amount from all Credit Entry Detail Records in this batch
Company Identification Same as used in Batch Header Record
Message Authentication Code Not needed at this time
Originating DFI Identification Same as used in Batch Header Record
Batch Number Same as used in Batch Header Record

 

 
File Control Record
Data Element Name Record Type Code Batch Count Block Count Entry/Addenda Count Entry Hash Total Debit Entry Dollar Amount in File Total Credit Entry Dollar Amount in File Reserved
Field Inclusion Requirement M M M M M M M N/A
Contents '9' Numeric Numeric Numeric Numeric $$$$$$$$$$¢¢ $$$$$$$$$$¢¢ Blank
Length 1 6 6 8 10 12 12 39
Position 01-01 02-07 08-13 14-21 22-31 32-43 44-55 56-94

Some Recommended Values for the File Control Record
Batch Count Number of batches in this file
Block Count Not needed at this time
Entry/Addenda Count Count of entries & addenda records
Entry Hash Not needed at this time
Total Debit Entry Dollar Amount in File Amount from all Debit Entry Detail Records in file
Total Credit Entry Dollar Amount in File Amount from all Credit Entry Detail Records in file

 

 

 
Field Inclusion Requirement
M Mandatory for ACH Processing.
A "Mandatory" field is necessary to ensure the proper routing and/or posting of an ACH entry.
R Required.
The omission of a "Required" field may caused the receiving deposit financial institution to reject the entry and in that case it would be returned to the originator.
O Optional.
The inclusion or omission of the data is at the discretion of the Originator.

 

 
Field Type Definitions
Numeric The field can contain only numbers. Any blanks in front of the actual numeric value should be zero filled. Example: 240 would be '0000000240' if the field was 10 in length.
Alphameric The field can contain alphabetical characters and numbers.
b Indicates the position should be left blank.
TTTTAAAAC Used in the Immediate Destination & Immediate Origin, Transit Routing Number.
MMDDYY Date should be formatted with Month (MM), Day (DD), then Year (YY).
YYMMDD Date should be formatted with Year (YY), Month (MM), then Day (DD).
$$$$$$$$¢¢ This field can contain only numbers and should be formatted in a amount. The '$' represents each digit in the dollar part of the amount, and the'¢' represents each digit in the cent part of the amount. Like the Numeric format it should be zero filled. Example: $24.00 would be '0000002400'.

 

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Member FDIC   RCB Bank • P.O. Box 189 • Claremore, OK  74018 • 918-341-6150 • 918-825-4321 • 405-843-3132 • 580-762-5651   Equal Housing Lender