Technical Specifications and File Formatting Flashcards
Technical Specifications and File Formatting
What is the correct sequence of the records on an ACH File transmission?
File Header, Company Batch Header, Entry Detail, Addenda Record(s), Company Batch Control Record, File Control Record
Which SEC Codes can carry 9,999 Addenda Records?
CTX, TRX, ENR
Which SEC Code requires seven mandatory Addenda Records?
IAT
Which SEC Codes are Zero Dollar Entries?
ACK, COR, DNE, ENR
For the purpose of calculating Hash Totals, which records are included?
File Control and Batch Control Records
Fields within the ACH Records are identified as either
Mandatory, Optional, or Required
The Service Class Code Field in the Company Batch Header Record defines whether the batch contains debits or credits. Which list contains the correct information relating to the Service Class Code Field?
200 mixed debits and credit; 220 credits only; 225 debits only; 280 ACH Accounting Advices
Which participant puts a date in the Company Descriptive Date Field? This field is not used to control timing and does not have a specific format set.
Originator
Which participant sets this Effective Entry Date and what format is this field required to be in?
Originator: YYslashMMslashDD Format
Which participant sets the Settlement Date and what format is this field required to be in?
Operator: Julian Date Format
The two digit code in the ACH Entry Detail Record that determines whether an entry is a debit or credit to a savings, DDA, GL or a credit to a loan account is the
Transaction Code
What field(s) in the Entry Detail Record must be changed to originate a file reversal?
Transaction Code
What field(s) in the Batch Header Record must be changed to originate a file reversal?
Effective Entry Date, Company Entry Description Field, and Service Class Code
The field inclusion requirement for the individual name field for WEB and TEL entries became a field in September of 2007?
Mandatory
A WEB transaction can be either a Single-Entry Transaction or a Recurring Transaction. In order for an RDFI to determine if the transaction is Single Entry or Recurring an S or R is placed in what field?
Payment Type Code Field
What record utilizes the ANSI X12 standards and Nacha endorsed banking?
Addenda Record
A public or private network not located entirely within a single, contiguous, physical facility and any part of which has not implemented security technologies that provide the minimum level of security.
Unsecured Electronic Network
Consists of logically related data elements in a defined sequence.
Data Segment
Minimum level of encryption when transmitting banking information over an Unsecured Electronic Network
128bit Encryption Technology
Which field in the Company Batch Header Record identifies the Originator as a government or commercial entity?
Originator Status Code
An eight character code derived from a special key used in conjunction with the DES algorithm. The purpose of this code is to validate the authenticity of ACH entries.
Message Authentication Code
If a mandatory field is left blank the ACH item will be
Rejected by the ACH Operator.
If a required field is left blank the ACH item may be
Rejected by the RDFI.
What fields can be found in both the Company Batch Header Record and the File Control Record?
Entry Hash and Record Type Code
What field contains the summation of routing numbers in either the Batch or File?
Entry Hash
Which series of SEC Codes contain Zero Addenda Records?
ADV, ARC, BOC, POP, RCK, TEL
What series of SEC Codes have mandatory Addenda Requirements?
COR, DNE, ENR, POS, SHR
What series of SEC Codes have optional Addenda Requirements?
CCD, CIE, CTX, PPD
Numeric Fields are formatted in this way.
Right justified, unsigned, and zero filled
Alphameric and Alphanumeric fields are formatted in this way.
Left justified and space filled
Which record contains a summary of the control totals from the batch controls within the file, number of blocks, and the number of batches within the file?
File Control Record
Which record in the ACH File contains the detail and addenda record counts, has totals and the dollar totals for the preceding entry detail records within the batch?
Company Batch Control Record
What record supplies 80 characters of payment related information for the preceding entry detail record?
Addenda Record
Which record contains the SEC Code?
Company Batch Header Records
Which records contains information that relates to Receiver?
Entry Detail Record
Which record identifies the Originator and gives information that relates to the purpose of the entry and also the routing number of the ODFI?
Company Batch Header Records
Which record defines the physical characteristics (date and time) and identifies the immediate origin and immediate destination of the file?
File Header Record
Which field in the ACH file indicates the presence of an Addenda Record and which Record can this be found in?
Addenda Record Indicator Field/Entry Detail Record
How can you identify who the ODFI of an ACH transaction is by looking at the Entry Detail Record?
15-digit Trace Number Field
The Addenda Type Code for a Notification of Change is
98
The Addenda Type Code for Return Entry is
99
The number of characters in each of the ACH Records.
94
The Addenda Record contains
94 characters with 80 characters of payment related information.
Statement information that must be provided for the POS entry.
Terminal ID, City, State, Location
In the Addenda Record, what function does the asterisk have?
Data Element separator and is called the delimiter
In the Addenda Record, what function does the backslash have?
End of a data segment and is the terminator
The largest dollar amount an ACH transaction can be is
$99,999,999.99
Settlement date is
The date on which an exchange of funds with respect to an entry is reflected on the books of the Federal Reserve Bank.
