NACHA File Format

FORMATTING GUIDE
6/20/2019

For Internal Use Only

CONTENTS

ACH FILE STRUCTURE ........................................................................................................................................ 3

FILE HEADER RECORD (‘1’ RECORD) ................................................................................................................ 3
BATCH HEADER RECORD (‘5’ RECORD) ............................................................................................................ 5
ENTRY DETAIL RECORD (‘6’ RECORD) .............................................................................................................. 8
BATCH CONTROL (TRAILER) RECORD (‘8’ RECORD) ..................................................................................... 10
APPENDIX .......................................................................................................................................................... 14

2
ACH FILE STRUCTURE
The ACH format is fixed length ASCII, record length 94, Block 10. The file layout is as follows:
• File Header Record
• Batch Header Record
• Detail Records
• Batch Control Record
• File Control Record

A single file can contain multiple batches, in which case a batch header record will immediately follow the
batch control record of the proceeding batch.

FILE HEADER RECORD (‘1’ RECORD)

The file header fields designate physical file characteristics and identify the origin (sending point) and
destination (receiving point) of the entries contained in the file. The file header also includes creation date
and time fields which can be used to uniquely identify a file. Files originated through Regions Bank should
contain Regions transit routing number proceeded by a space in the immediate destination. The customers
federal ID number should be entered in the “immediate origin” field proceeded by a predetermined
alphanumeric value, provided by the bank.

Record Type Code: ‘1’

Priority Code: ‘01’
Immediate Destination: ‘ 062000019
Immediate Origin: ‘ Federal ID #’ (proceeded by a predetermined alpha or numeric
character)

File ID Modifier: ‘A’

Record Size: ‘094’
Blocking Factor: ‘10’
Format Code: ‘1’
Immediate Destination Name: ‘REGIONS BANK’
Reference Code: Blank (Space fill to 94 character length)

For Internal Use Only

3
For Internal Use Only
4
BATCH HEADER RECORD (‘5’
RECORD)
The batch header record identifies the originating entity and the type of transactions contained in the batch
(i.e., the standard entry class, PPD for consumer, CCD or CTX for corporate). This record also contains the
effective date, or desired settlement date, for all entries contained in this batch. The settlement date field is
not entered as it is determined by the ACH operator.

Record Type Code: ‘5’

Service Class Code: ACH Mixed Debits and Credits ‘200’
ACH Credits Only ‘220’
ACH Debits Only ‘225’
Company Name: The company originating the entries in the batch
Company Identification: The 9 digit FEIN number (proceeded by a predetermined alpha or
numeric character) of the entity in the company name field

Standard Entry Class: ‘PPD’ for consumer transactions, ‘CCD’ or ‘CTX’ for corporate
Company Entry Description: A description of the entries contained in the batch
Effective Entry Date: The date on which the entries are to settle
Settlement Date: Leave blank, this field is inserted by the ACH operator
Originator Status Code: ‘1’
Originating DFI Identification: ‘First 8 digits of the originating DFI transit routing
number,‘06200001’ for files originated through Regions Bank

Batch Number: Sequential batch number, zero fill left

For Internal Use Only

5
For Internal Use Only
6
ENTRY DETAIL RECORD (‘6’ RECORD)
The detail record contains the actual transaction data for an individual entry. Fields include those designating
the entry as a deposit (credit) or withdrawal (debit), the transit routing number for the entry recipient’s financial
institution, the account number (left justify, no zero fill), name, and dollar amount.

Record Type Code: ‘6’

Transaction Code: Credit (deposit) to checking account ‘22’
Prenote for credit to checking account ‘23’
Debit (withdrawal) to checking account ‘27’
Prenote for debit to checking account ‘28’
Credit to savings account ‘32’
Prenote for credit to savings account ‘33’
Debit to savings account ‘37’
Prenote for debit to savings account ‘38’

Prenote entries are zero-dollar ACH entries which allow an originator to check the validity of its transaction
(entry detail) data. RDFIs are required to notify the prenote originator of incorrect transaction data within six
business days of the prenote effective date.

Receiving DFI Identification: The first eight digit of the transit routing number for the
transaction recipient’s financial institution

Check Digit: The ninth digit of the transit routing number of the transaction
recipient’s financial institution

DFI Account Number: The account number of the consumer or corporate entity receiving
the ACH entry (left justify, no zero fill)

Amount: The dollar amount of the entry, decimal implied

Individual Name: The name of the entry recipient
Addenda Record Indicator: ‘0’ for no addenda attached,
‘1’ for addenda attached

Trace Number: This field is made up of the first eight digits of the originating DFI
transit routing number and a seven-digit (zero fill left) identifier
(identifiers need to be sequential but must be ascending)

For Internal Use Only

7
For Internal Use Only
8
BATCH CONTROL (TRAILER) RECORD (‘8’ RECORD)
This record contains entry counts, dollar total and has totals for all entries contained in the preceding batch.

Record Type Code: ‘8’

Service Class Code: Must match same field from the immediately preceding batch
header record

Entry/Addenda Count: Total detail and addenda records in the batch

Entry Hash: Hash totals are the sum of all transit routing numbers (first eight
digits only) from each entry detail record in the batch, truncated
from the higher order if necessary

Total Debit Amount: Total debits n the batch, decimal implied

Total Credit Amount: Total credits in the batch, decimal implied
Company Identification: Must match the Company ID from the batch header record
Originating DFI Identification: Must match same field from the batch header record
Batch Number: Must match the same field from the batch header record

For Internal Use Only

9
For Internal Use Only
10
FILE CONTROL (TRAILER) RECORD (‘9’ RECORD)
This record contains entry counts, dollar totals and hash totals accumulated from each batch control record
in the file.

Record Type: ‘9’

Batch Count: Total number of batches (i.e., ‘5’ records) in the file
Block Count: Total number of records in the file (include all headers and
trailer) divided by 10 (This number must be evenly divisible by
10. If not, additional records consisting of all 9’s are added to
the file after the initial ‘9’ record to fill out the block 10.)

Entry Addenda Count: Total detail and addenda records in the file
Entry Hash: Calculated in the same manner as the batch has total but
includes total from entire file

Total Debit Dollar Amount: Total debits in the file, decimal implied
Total Credit Dollar Amount: Total credits in the file, decimal implied

For Internal Use Only

11
For Internal Use Only
12
APPENDIX
ALL ENTRIES FILE HEADER RECORD

FIELD 1 2 3 4 5 6 7 8 9 10 11 12 13
Data Element Record Type Priority Immediate Immediate File Creation File Creation File ID Blocking Format Destination Immediate Origin Reference
Name Code Code Destination Origin Date Time Modifier Record Size Factor Code Name Name Code
Field Inclusion
Requirement M R M M M O M M M M O O O
Upper Case A-Z
Contents '1' Numeric bTTTTAAAAC bTTTTAAAAC YYMMDD HHMM Numeric 0-9 '094' '10' '1' Alphameric Alphameric Alphameric
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

ALL ENTRIES FILE CONTROL RECORD

FIELD 1 2 3 4 5 6 7 8
Total Debit Total Credit
Data Element Record Type Entry/Addenda Entry Dollar Entry Dollar
Name Code Batch Count Block Count Count Entry Hash Amount In File Amount In File Reserved
Field Inclusion
Requirement M M M M M M M N/A
Contents '9' Numeric Numeric Numeric Numeric $$$$$$$$$$cc $$$$$$$$$$cc 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

CCD ENTRY DETAIL RECORD

FIELD 1 2 3 4 5 6 7 8 9 10 11
Receiving Addenda
Data Element Record Type Transaction Receiving DFI DFI Account Identification Company Discretionar Record
Name Code Code Identification Check Digit Number Amount Number Name yData Indicator Trace Number
Field Inclusion
Requirement M M M M R M O R O M M
Contents '6' Numeric TTTTAAAA Numeric Alphameric $$$$$$$$cc Alphameric Alphameric Alphameric 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

CCD ADDENDA RECORD

FIELD 1 2 3 4 5
Payment Addenda Entry Detail
Data Element Record Type Addenda Related Sequence Sequence
Name Code Type Code Information Number Number
Field Inclusion
Requirement M M O M M
Contents '7' '05' Alphameric Numeric Numeric
Length 1 2 80 4 7
Position 01-01 02-03 04-83 84-87 88-94

PPD ENTRY DETAIL RECORD

 FIELD 1 2 3 4 5 6 7 8 9 10 11
Individual Addenda
Data Element Record Type Transaction Receiving DFI DFI Account Identification Individual Discretionar Record
Name Code Code Identification Check Digit Number Amount Number Name yData Indicator Trace Number
Field Inclusion
Requirement M M M M R M O R O M M
Contents '6' Numeric TTTTAAAA Numeric Alphameric $$$$$$$$cc Alphameric Alphameric Alphameric 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

PPD ADDENDA RECORD

FIELD 1 2 3 4 5
Payment Addenda Entry Detail
Data Element Record Type Addenda Related Sequence Sequence
Name Code Type Code Information Number Number
Field Inclusion
Requirement M M O M M
Contents '7' '05' Alphameric Numeric Numeric
Length 1 2 80 4 7
Position 01-01 02-03 04-83 84-87 88-94

ALL ENTRIES COMPANY/BATCH HEADER RECORD

FIELD 1 2 3 4 5 6 7 8 9 10 11 12 13
Company Standard Company Company Settlement
Data Element Record Type Service Company Discretionary Company Entry Class Entry Descriptive Effective Date Originator Status Originating DFI Batch
Name Code Class Code Name Data Identification Code Description Date Entry Date (Julian) Code Identification Number
Field Inclusion Inserted by ACH
Requirement M M M O M M M O R Operator M M M
Contents '5' Numeric Alphameric Alphameric Alphameric Alphameric Alphameric Alphameric YYMMDD Numeric Alphameric 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

ALL ENTRIES COMPANY/BATCH CONTROL RECORD

FIELD 1 2 3 4 5 6 7 8 9 10 11
Total Debit Total Credit Message Originating
Data Element Record Type Service Entry/Addenda Entry Dollar Entry Dollar Company Authenticatio DFI
Name Code Class Code Count Entry Hash Amount Amount Identification n Code Reserved Identification Batch Number
Field Inclusion
Requirement M M M M M M R O N/A M M
Contents '8' Numeric Numeric Numeric $$$$$$$$$$cc $$$$$$$$$$cc Alphameric Alphameric 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
This guide is for general informational and reference purposes only and is entirely subject and subordinate to the terms of the respective written agreements for
the products and services described above. This guide does not constitute a contract or representation or warranty of any kind, express or implied, nor does it in
any way supplement, replace, modify, or amend the terms and provisions of the written agreements that govern the products and services. You should review
actual product and service agreements carefully to understand the terms that govern the products and services and the rights, responsibilities, and liabilities of
parties thereunder.

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