File Formatting

Question 1

File structure

Answer 1

1-File Header
5-Batch Header
6-Entry Detail
7-Addenda Record
8-Batch Control
9-File Control

Question 2

File Header Fields

Answer 2

M-File Creation Date
O-File Creation Time
M-File ID Modifier
M-Immediate Origin
M-Immediate Destination

Question 3

Batch Header Fields

Answer 3

M-Company ID
M-SEC code
M-Company Entry Description
R-Effective Entry Date
ACH Op-Settlement Date
M-Service Class Code
M-Originator Status Code

Question 4

Entry Detail Fields

Answer 4

M-Tran Code R-Receiver’s acct #
M-Amount M-Addenda Record ID
M-Trace ID Fields

Question 5

Batch Control Fields

Answer 5

M-Entry Count
M-Total Debits and Credits
M-Message Auth Code
R-Company ID
M-ODFI ID

Question 6

File Control Fields

Answer 6

M-Batch Count
M-Block Count
M-Entry Count
M-Entry Hash
M-Total Debit and Credits

Question 7

Service Class Codes

Answer 7

200 - Mixed
220 - Credits
225 - Debits
280 - Accting Advice
In Batch Header and Control - Mandatory

Question 8

Originator Status Code

Answer 8

0 - ADV Files
1 - Financial Institution
2 - Federal

Question 9

Optional Addenda Record SEC Codes

Answer 9

ACK/ATX, CCD/PPD, CIE, CTX (1-9999), WEB, IAT (5)

Question 10

Mandatory Addenda Record SEC Codes

Answer 10

COR, DNE, ENR (1-9999), POS, Returns, TRX (1-9999), IAT (7), CCD+

Question 11

No Addenda Record SEC Codes

Answer 11

ARC, BOC, POP, TEL, RCK, XCK

Question 12

Delimiter & Terminator

Answer 12

Asterisk for Delimiter and Backslash or Tilde for Terminator

Question 13

Tran Codes

Answer 13

DDA - 20, SAV - 30, GL - 40, Loan - 50, Credit - 1, 2, 3, 4, Debit - 6, 7, 8, 9, Loan Debit - 5
Mandatory in Entry Detail

Question 14

Payment Type Codes

Answer 14

S - Single Entry, R - Recurring Entry, ST - Standing Authorization/Subsequent Entry

Question 15

Addenda Type Codes

Answer 15

02 - used for POS, 05 - used for Most other SEC, 98 - used for NOCs, 99 - used for Returns, 10-18 - used for IAT

Question 16

IAT Purpose Codes

Answer 16

ANN - Annuity, BUS - Commercial, DEP - Deposit, LOA - Loan, MIS - Miscellaneous, MOR - Mortgage, PEN - Pension, REM - Remittance, RLS - Rent/Lease, SAL - Salary/Payroll, TAX - Tax

Question 17

IAT Addendas

Answer 17

7 Mandatory, 5 optional, total of 12
10-16, 1-7 mandatory
17 - IAT Entry Remittance Info (max of 2)
18 - IAT Entry Foreign Correspondent Bank Info (max of 3)
7 mandatory must go back with return, must add one additional with return info
NOCs do not have to have 7 mandatory, only NOC addenda

Question 18

IAT OFAC Codes

Answer 18

0 - No Match
1 - Possible Match
Blank - Not Scanned

Question 19

RDFI and IATs

Answer 19

Must be accepted, Does not have to register with Gateway