TREASURY MANAGEMENT. User Guide. ACH NACHA File Format Returns and Notice of Change (NOC)

Transcription

1 TREASURY MANAGEMENT User Guide ACH NACHA File Format Returns and Notice of Change (NOC)

2 Table of Contents NACHA File Format Origination 2 General Information 2 Sample NACHA Formatted Return / NOC File 2 File Header Record - The One Record 3 Batch Header Record - The Five Record 4 Addenda Record - The Seven Record (Return Entries) 7 Addenda Record - The Seven Record (NOC) 7 Batch Control Record - The Eight Record 8 File Control Record - The Nine Record 9 TM C rev. 12/11

3 NACHA File Format Origination IMPORTANT NOTE: The formats outlined in this document were established by the National Automated Clearing House Association (NACHA) and are subject to change. Please consult the most current edition of the ACH Rules published by NACHA to ensure you are using the most up to date NACHA file format. General Information The formats outlined in this document are used for Return and Notifications of Change (NOC) ACH files. These formats were established by the National Automated Clearing House Association (NACHA) and are subject to change. Please consult the most current edition of the ACH Rules published by NACHA to ensure you are using the most up-to-date NACHA file format. The formats outlined in this document are used for returns and NOCs related to PPD and CCD entries. If you originated other types of ACH transactions, please refer to the most current edition of the ACH Rules. Field: A field is a group of characters or numbers that represent one piece of information. For example, Field 6 in the File Header Record contains the time your ACH file was created. Position: The position shows where in the record the field is located. Field 6 begins at position 30 and ends at position 33. That means that there are 29 characters preceding Field 6, and Field 6 occupies 4 spaces - 30, 31, 32, and 33. Size: The size indicates the number of characters (called bits) that the field occupies. For example, Field 6 is made up of 4 bits. Picture: This is the type of bit the ACH system is expecting to see. A 9 indicates a numeric value and an X indicates an alphabetic value. If you put a letter in a PIC 9 position, the system will reject the field. If you see a number in parentheses after the X or 9, that indicates the number of characters in that field. For example 9(10) means that field contains 10 numeric characters. Contents: This is a sample of the information or the actual information that should be included in the field. If the information is surrounded by single quote 1, it is the actual information BBVA Compass requires in that field. Data Name: This is the name of the Field. If you are building your NACHA file from scratch, you may want to use the names listed. Comments: This is helpful information that we have included to further explain the information required in each field. Record: Record refers to the collection of fields used to represent one set of information. For example, your name, address, and phone number are individual fields of information within the record called You. For NACHA files, each record occupies one line. Please Note: For Consumer ACH files (Direct Deposit, Consumer Debits) please refer to the PPD and RCK formats contained in this document. For Corporate ACH files (Corporate Payments, Corporate Debits, Cash Concentration) please refer to the CCD formats contained in this document. Sample NACHA Formatted Return / NOC File 2

4 File Header Record - The One Record Format: PPD and CCD for both returns and notifications of change. Each field of the File Header Record is the same as the original entry as follows: File Header Record Format - (TAPE-HEAD-BODY) Record Type Code (2) 01 Priority Code X(10) Immediate Destination This is BBVA Compass routing number preceded by a space X(10) Immediate Origin This the ACH identification number BBVA Compass has established for your company. Your TM Analyst will provide this information to you. It is usually one digit followed by your company s TIN (6) YYMMDD File Creation Date This is the date your original file was created (4) HHMM File Creation Time This is the time your original file was created in military time X File ID Modifier This helps identify multiple files created on the same date. A is the first file; B is the second, etc (3) 094 Record Size This is the total number of characters contained in each record within your original NACHA formatted file (2) 10 Blocking Factor This is the number of records that will be imported into the ACH system at one time. Please do not change. NOTE: If the total number of records contained in your file are not a multiple of 10, the remaining records must be 9 filled Format Code X(23) COMPASS BANK X(23) Your Company Name Immediate Destination Name Immediate Origin Name X(8) Not Used This is where the original file went - the name of your bank. Please do not change. This is your company name as included in your original file. 3

5 Batch Header Record - The Five Record Format: PPD and CCD for both Returns and Notifications of Change. Each field of the Batch Header Record is the same as the original entry unless otherwise noted as follows: Batch Header Record Format - (COMPANY-HEAD-BODY REDEFINES TAPE-HEAD-BODY) Record Type Code (3) Service Class Code 200 Debits and Credits were contained in the original batch. 220 Only Credits were contained in the original batch 225 Only Debits were contained in the original batch X(16) Company Name This is your company name as included in your original batch X(20) Company Discretionary Data The discretionary data included in your original batch, if any, is shown here X(10) Immediate Origin This is the ACH identification number BBVA Compass has established for your company. Your TM Analyst will provide this information to you. It is usually one digit followed by your company s TIN X(3) Standard Entry Class X(10) Company Entry Description X(6) YYMMDD Company Descriptive Date The code shown depends on the type of ACH transactions you are originating and whether the batch contains returns or NOCs: PPD Returns for Direct Deposit, Consumer Debit CCD Returns for Corporate Payments, Corporate Debits, Cash Concentration COR All NOCs This field contains the entry description from your original Batch ID, buy may contain the identification of the ACH operator (Federal Reserve). The descriptive date included in your original batch, if any, is shown here X(6) YYMMDD Effective Entry Date This is the date this batch of ACH entries settled. REDEFINES ENTRY-DAT-CH X(3) Julian Settlement Date YEAR-1 PIC 99; MONTH-1 PIC 99; FILLER PIC XX This date was inserted by the ACH Operator (Federal Reserve). 4

6 Batch Header Record Format - (COMPANY-HEAD-BODY REDEFINES TAPE-HEAD-BODY) Originator Status Code Changed to reflect the originator status of the bank initiating the return or NOC X(8) Originating DFI ID Changed to reflect the routing number of the bank initiating the return or NOC (7) Batch Number Changed to the batch number assigned by the bank initiating the return or NOC. Entry Detail Record - The Six Record Format: PPD for both Returns and Notifications of Change For use with Direct Deposit, Consumer Debits and Returned Check Entries.. PPD and RCK Entry Detail Format - (DETAIL-REC-BODY) Record Type Code (2) Transaction Code Changed to the appropriate Return or NOC outlined below X(8) Receiving DFI Identification This is the first eight digits of the routing number of the bank receiving the Return or NOC. Since the item is coming back to BBVA Compass, you should see Check Digit This is the last digit of BBVA Compass routing number X(17) DFI Account Number This is your employee s or bank s account number (8)V99 $$$$$$$$99 Amount The dollar amount of the item you originated. If the item is a NOC, it will be zero X(15) Individual ID Number The identification numbers of your employees or customers as included on the original entry X(22) Individual Name The name of your employee or customer as included on the original entry X(2) Discretionary Data Discretionary data included in original entry, if any X 1 Addenda Record Indicator Indicates that there is additional information related to this record (15) Trace Number Assigned by the bank originating the Return or NOC. 5

7 Transaction Codes Used in Return and Notification of Change NACHA Files 21 Checking Account Automated Return or NOC for original transaction codes 22, 23, or Checking Account Automated Return or NOC for original transaction codes 27, 28, or Savings Account Automated Return or NOC for original transaction codes 32, 33, or Savings Account Automated Return or NOC for original transaction codes 37, 38, or 39. Entry Detail Record - The Six Record Format: CCD for both Returns and Notifications of Change File Header Record Format - (TAPE-HEAD-BODY) Record Type Code (2) Transaction Code Changed to the appropriate Return or Notification of Change Code outlined below X(8) Receiving DFI Identification This is the first eight digits of the routing number of the financial institution receiving the Return or NOC. Since the item is coming back to BBVA Compass, you should see Check Digit This is the last number of BBVA Compass routing number X(17) DFI Account Number This is your customer s bank account number (8)V99 $$$$$$$$99 Total Amount The dollar amount of the item you originated. If the item is NOC, it will be zero X(15) Identification Number (4) Number of Addenda Records X(16) Receiving Company Name/ ID Number X(2) Reserved Blank field. The identification number of your customer as included on the original entry. The number of addenda records contained in this file. The name of your customer as included on the original entry X(2) Discretionary Data Discretionary data as included on the original entry, if any Addenda Record Indicator Indicates that there is additional information related to this record (15) Trace Number Assigned by the bank originating the Return or NOC. 6

8 Transaction Codes Used in Return and Notification of Change NACHA Files 21 Checking Account Automated Return or NOC for original transaction codes 22, 23, or Checking Account Automated Return or NOC for original transaction codes 27, 28, or Savings Account Automated Return or NOC for original transaction codes 32, 33, or Savings Account Automated Return or NOC for original transaction codes 37, 38, or 39. Addenda Record - The Seven Record (Return Entries) Format: PPD and CCD for Return Entries This record contains the information you need to appropriately handle the Returned ACH entry. Addenda Record Format - (DETAIL-REC-BODY) Record Type Code (2) 99 Addenda Type Code X(3) Return Reason Code (15) Original Entry Trace Number This is why the item is being returned. Please refer to the Return Codes located in your ACH User Guide. This number matches the trace number contained in the original entry X(6) YYMMDD Date of Death This field is only used with Return Codes R14 and R X(8) Original Receiving DFI Identification X(44) Addenda Information The routing number of your employee s or customer s bank. Blank field (15) Trace Number The trace number of this transaction, as entered by the bank originating this Return item. Addenda Record - The Seven Record (NOC) Format: PPD and CCD for Notifications of Change This record contains the information you need to appropriately handle your Notification of Change. Note: you must make the requested change within six business days, or prior to the next time you transmit the entry, whichever is later. Addenda Record Format - (DETAIL-REC-BODY) Record Type Code (2) 98 Addenda Type Code X(3) Change Code This code identifies what needs to be changed in your original ACH entry. Please refer to the list of NOC Codes located in your ACH User Guide. 7

9 Addenda Record Format - (DETAIL-REC-BODY) (15) Original Entry Trace This number matches the trace number Number Number contained in the original entry X(6) Reserved Blank field X(8) Original Receiving DFI Identification The routing number of your employee s or customer s bank X(29) Corrected Data This is the correct information that needs to be updated in your records prior to submitting another ACH Entry X(15) Reserved Blank field (15) Trace Number The trace number of this transaction, as entered by the bank originating this Return item. Batch Control Record - The Eight Record Format: PPD and CCD for both Returns and Notifications of Change Note: Each field of the Batch Control Record is the same as the original entry as follows: Batch Control Trailer Format - (GEN-FOOT-BODY REDEFINES TAPE-HEAD-BODY) Record Type Code (3) Service Class Code SERV-CODE-GF Select one of the following codes depending on the type of ACH entries you are originating: 200 Debits and Credits are contained in this batch. 220 Only Credits are contained in this batch. 225 Only Debits are contained in this batch (6) Entry Addenda Count ITEM-COUNT (10) Entry Hash ENTRY-HASH (10)V99 Total Debit Entry TOTAL-DB (10)V99 Total Credit Entry TOTAL-CR **Must match Batch Header Record The total of all Six and Seven Records present within a batch. This is the sum of all the RDFI routing numbers in each Six Record. Sum the first 8 digits only and truncate to the left. This is the total of all debit entries contained in the file. This is the total of all credit entries contained in the file. 8

10 Batch Control Trailer Format - (GEN-FOOT-BODY REDEFINES TAPE-HEAD-BODY) X(10) Company ID Number ID-GF X(25) Not Used FILLER X(8) Originating DFI ID TRACE-GF PIC X(8) The ID number BBVA Compass uses to identify your Company. This number is provided by your TM Analyst. The first 8 digits of BBVA Compass Routing Number (7) Batch Number Same as Batch Header Record File Control Record - The Nine Record Format: PPD and CCD for both Returns and Notifications of Change Note: Each field of the File Control Record is the same as the original entry as follows: File Control Trailer Format - (TAPE-FOOT-BODY REDEFINES TAPE-HEAD-BODY) Record Type Code (6) Batch Count This is the total number of ACH batches included in the file (6) Block Count This is the total number of blocks included in the file. The block count x 10 = total number of records (8) Entry/Addenda Count This is the total number of entries contained in your original file. (The total number of Six Records) (10) Entry/Hash This is the sum of all the RDFI routing numbers in each Six Record of your original file. Sum the first 8 digits only and truncate to the left (10)V99 Total Debit Entry This is the total of all debit entries contained in your original file (10)V99 Total Credit Entry This is the total of all credit entries contained in your original file X(39) Blank Not Used 9

11 TM C rev. 12/11 BBVA Compass is a trade name of Compass Bank, Member FDIC