ACH Record Format Specifications Flashcards
What is the record type code for the Entry Detail Record?
Record Type Code 6
What is the record type code for Company/Batch Header Record?
Record Type Code 5
What is the record type code for Company/Batch Control Record?
Record Type Code 8
What is the field inclusion requirement for ‘DFI Account Number’ in the DNE Entry detail record?
R- Required
What is the Field inclusion requirement for ‘Foreign receiver’s Account Number’ in the IAT Entry detail record?
M- Mandatory
What is the value for the Addenda record indicator for all IAT Entries, including IAT Prenotification Entries?
It will always be 1
In which record can the Batch Count be found and what is its field inclusion requirement?
File Control Record - MANDATORY
This code is used by card processors to identify the type of transaction, such as a purchase, chase advance, or reversal. Value for this field are assigned by the major card organizations.
Card Transaction Type Code.
A code used by the RDFI to describe the reason for transmitting a Notification of Change.
Change Code
The Originating ACH Operator uses this field to describe to the institution receiving the ADV file the type of activity to which the accounting information relates.
Company entry description
In the Company Name Field for Micro-Entries, this field must contain the same or similar name of which party that will be included in future entries?
Originator
In the Company Name Field for POP, POS, SHR entries, this field must identify which party?
The merchant with whom the receiver initiated the transaction.
What must be provided in the company name field for WEB P2P entries?
P2P Service provider name
What’s optionally needed to be supplied on entries being returned for reason of death in the Addenda Record?
The Date of Death
If an entry hash sum exceeds 10 characters, the entry hash field must be populated with what?
Rightmost 10 Characters
What is the screening indicator that indicates a potential presence of a blocked party?
“1”
Which SEC codes are mandatory to provide the INDIVIDUAL NAME in the Entry Detail Record?
- TEL
- WEB
- Returns, Dishonored returns, Contested dishonored Returns
- COR, Refused COR
This is an eight character code derived from a special key used in conjunction with the Data Encryption Standard algorithm, is used to validate the authenticity of an ACH entry.
Message Authentication Code -Optional
In which record is the Message Authentication Code (MAC) found?
Company/Batch Control Record
- Optional
This field uniquely identifies an ATM network and allows for processing of MTE transactions between DFIs belonging to different networks.
Network Identification Code
What is the field inclusion requirement for Original Settlement Date, and which record can it be found?
Addenda Record - Mandatory with R73, otherwise Optional (Contested Dishonored Return)
Where can the Originator Status Code be found in the ACH File and what is the field inclusion requirement?
Company/Batch Header Record - Mandatory
What are the Originator Status Codes?
0 - ADV File prepared by an ACH Operator
1 - Originator is a Bank
2 - Originator is a Federal Government entity or agency
How many characters of payment related information for IAT entries must be in the Addenda Record?
80 Characters
When the Transaction type code field within the first IAT Addenda Record contains POP, this field must contain the following Nacha-endorsed banking conventions..
- Check Serial Number (9 Characters)
- Terminal City
- Terminal State/Foreign country
When the Transaction Type Code Field within the First IAT Addenda Record contains MTE, POS, or SHR, this field must contain the following Nacha-endorsed banking conventions…
- Terminal Identification Code
- Terminal Location
- Terminal City
- Terminal State/Foreign country
Where can the Record Size be found in the ACH File, and what is the field inclusion requirements?
File Header Record - Mandatory
Where can the Return Reason code be found in the ACH file, and what is the field inclusion requirements?
Addenda Record - Mandatory
What are the Service Class Codes?
200 - ACH Entries Mixed Debits and Credits
220 - ACH Credits Only
225 - ACH Debits Only
280 - ACH Automated Accounting Advices
Where can the Service Class Code be found in the ACH file, and what is the field inclusion requirements?
- Company/Batch Header Record
- Company/Batch Control Record
MANDATORY
Where can the Settlement Date be found in the ACH file?
Company/Batch Header Record
Where can the Standard Entry Class Code be found in the ACH File, and what is the field inclusion requirements?
Company/Batch Header Record - MANDATORY
This is a code that identifies Non Monetary Entry initiated by an RDFI to provide an acknowledgement of receipt of a corporate credit payment originated using the CCD format.
ACH Payment Acknowledgement - ACK
This is a code that identifies a Non Monetary Entry initiated by an RDFI to provide an acknowledgement of receipt of a corporate credit payment originated using the CTX format.
Financial EDI Acknowledgement - ATX
This is a code that identifies a credit entry initiated by or on behalf of the holder of a consumer account to transfer funds to the account of the receiver.
Customer Initiated Entry - CIE
This is a code that identifies an entry initiated by an organization to transfer funds to or from the account of that organization or another organization that permits the inclusion of payment related remittance information in ANSI or UN/EDIFACT syntax.
Corporate Trade Exchange - CTX
This is a code that identifies entries initiated at an Electronic terminal as defined in Regulation E, to transfer funds to or from a consumer account maintained with an RDFI.
Machine Transfer Entry - MTE
This code identifies an entry initiated by an organization based on a standing or single entry authorization from a receiver to transfer funds to or from a consumer account of the receiver.
Prearranged Payment and Deposit Entry - PPD
Where can the Trace Number be found in the ACH File, and what is the field inclusion requirements?
- Entry Detail Record
- Corporate Entry Detail Record
- Addenda Record
MANDATORY
In what sequence is the Trace number placed in each Entry Detail Record?
Ascending Sequence
Where can the Transaction Code be found in the ACH File, and what is the field inclusion requirements?
Entry Detail Record - Mandatory
Transaction Type Codes ending in 2 or 7 identifies what type of entry?
Automated Payment or Deposit
Transaction Type Codes ending in 1 or 6 identifies what type of entry?
Return or NOCs
Transaction Type Codes ending in 3 or 8 identifies what type of entry?
Prenotes
Transaction Type Codes ending in 4 or 9 identifies what type of entry?
Zero Dollar Amount with Remittance data CCD & CTX only
Transaction Type Codes Beginning with a 2 identifies what type of entry?
Checking
Transaction Type Codes Beginning with a 3 identifies what type of entry?
Savings
Transaction Type Codes Beginning with a 4 identifies what type of entry?
General Ledger
Transaction Type Codes Beginning with a 5 identifies what type of entry?
Loan
In an IAT transaction, which addenda record carries the Transaction Type code?
First IAT Addenda Record
Name 3 of the fields in the Batch Header Record that must be changed to originate a file reversal?
- Company Entry Description to REVERSAL
- Effective Entry Date
- Service Class Code
In an IAT transaction, which addenda record carries the Originator Name?
Second IAT Addenda Record
In an IAT transaction, which addenda record carries the Originator country & postal code?
Third IAT Addenda Record
In an IAT transaction, which addenda record carries the Originating DFI Name?
Fourth IAT Addenda Record
In an IAT transaction, which addenda record carries the Receiving DFI Name?
Fifth IAT Addenda Record
In an IAT transaction, which addenda record carries the Receiver Street Address?
Sixth Addenda Record
In an IAT transaction, which addenda record carries the Receiver City & State?
Seventh IAT Addenda Record
