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Specification

NACHA File Spec

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Overall:

Recent:

Description

Public

Upper Case

94-character format for Electronic Funds Transfer

True

False

Source Uri

Source Version

https://achdevguide.nacha.org/ach-file-details

June 2019

Keywords

Owner

Created On

Updated

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.

File Name

Description

Encoding

NACHA File Layout

Automatic Clearing House Debits

ASCII

Return File

Reverse transaction

ASCII

Share Draft

Share Draft Clearing as 94L

ASCII

Off-Line ATM

ATM Settlement file as 94L

ASCII

Generic EFT

Everybody's doing it

ASCII

Value Lists

Value List

Description

Active

Record Type Code

First character of a line. Indicates the type of record with a one-digit code.

Yes

SEC Code

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

Transaction Codes

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

Return Entry Codes

Indicates the reason for a returned entry

Yes

NOC Codes

Notification Of Change Fields

Yes

User

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