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

Size: px
Start display at page:

Download "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

Treasury Management. Automated Clearing House (ACH) File Specifications PPD, CCD, CCD+ Entries

Treasury Management. Automated Clearing House (ACH) File Specifications PPD, CCD, CCD+ Entries Treasury Management Automated Clearing House (ACH) File Specifications PPD, CCD, CCD+ Entries These formats apply to both PPDs (Prearranged Payment and Deposit Entry type transactions) and also CCDs (Cash

More information

ACH CREDIT File Format for UI Payments TYPE CCD

ACH CREDIT File Format for UI Payments TYPE CCD ACH CREDIT File Format for UI Payments TYPE CCD The format below outlines the data layout for ACH Credit payment. The file meets the CCD file formats outlined in the 2004 ACH Rules handbook and includes

More information

NACHA FORMAT. Record Title Record Type Code File Header Record - This record includes your company name and

NACHA FORMAT. Record Title Record Type Code File Header Record - This record includes your company name and NACHA FORMAT ACH Input File Structure The NACHA format is composed of 94 character records. All records and fields are required, except the record 7 - Entry Detail that is optional. Title File Header -

More information

Revised (08/15) ACH Direct File/Transaction Inquiry

Revised (08/15) ACH Direct File/Transaction Inquiry Revised (08/15) ACH Direct File/Transaction Inquiry Contents Page Section 1: Overview of Service 3 Section 2: Using ACH Transaction & File Inquiry 3 Entering Originator Browse 3 Entering Originator Search

More information

International ACH Transactions (IAT) File Format Guide

International ACH Transactions (IAT) File Format Guide U.S Bank created this IAT file format guide to be used as a supplemental tool to the format listed in the NACHA rules. Organizations can use this to help make changes in their system to prepare for the

More information

M&T ACH Services ACH RETURNS MANUAL

M&T ACH Services ACH RETURNS MANUAL M&T ACH Services ACH RETURNS MANUAL M&T ACH SERVICES Welcome to M&T Bank Services and the latest update to our ACH Returns Manual. This ACH Returns Manual is your resource for frequently asked information

More information

NACHA FORMAT. Batch Control Total This record appears at the end of each batch and contains totals for the batch.

NACHA FORMAT. Batch Control Total This record appears at the end of each batch and contains totals for the batch. NACHA FORMAT ACH Input File Structure The NACHA format is composed of 94 character records. All records and fields are required, except the record 7 Entry Detail Addenda Record that is optional. See the

More information

Same Day ACH Proposed Modifications to the Rules 1

Same Day ACH Proposed Modifications to the Rules 1 ARTICLE ONE GENERAL RULES Same Day ACH Proposed Modifications to the Rules 1 December 8, 2014 SECTION 1.12 Same Day Entry Fee (new section) An ODFI agrees to pay a Same Day Entry fee to the respective

More information

Philadelphia EZ-Pay Service Table of Contents

Philadelphia EZ-Pay Service Table of Contents Philadelphia EZ-Pay Service Table of Contents Page Introductory Letter It s Free and Easy... What is Philadelphia EZ-PAY and how does it work?...2 When does the money leave my account?...3 Questions and

More information

Electronic Funds Transfer (EFT) Payment Guide

Electronic Funds Transfer (EFT) Payment Guide Government of the District of Columbia Office of the Chief Financial Officer Office of Tax and Revenue 2015 Electronic Funds Transfer (EFT) Payment Guide Bank Information for Payments TXP and TPP Addenda

More information

Electronic Funds Transfer (EFT) Payment Guide

Electronic Funds Transfer (EFT) Payment Guide Government of the District of Columbia Office of the Chief Financial Officer Office of Tax and Revenue 2015 Electronic Funds Transfer (EFT) Payment Guide Bank Information for Payments TXP and Addenda Record

More information

Electronic Funds Transfer

Electronic Funds Transfer West Virginia State Tax Department Electronic Funds Transfer Program Information Guide Revised: July, 2015 WV/EFT-4 Table of Contents General Information...3 Mandatory E-Pay/E-file...3 z Business Taxpayers...

More information

Automated Clearing House Services NACHA File Format Specifications User Guide

Automated Clearing House Services NACHA File Format Specifications User Guide Automated Clearing House Services NACHA File Format Specifications User Guide 00-35-4577NSB CNFIDENTIAL INFRATIN This guide contains proprietary and confidential information of Bank of America and was

More information

Electronic Funds Transfer (EFT) Payment Guide

Electronic Funds Transfer (EFT) Payment Guide Government of the District of Columbia Office of the Chief Financial Officer Office of Tax and Revenue Vincent C. Gray Mayor Natwar M. Gandhi Chief Financial Officer Stephen Cordi Deputy Chief Financial

More information

Attachment E. BUSINESS DAY - A calendar day other than a Saturday, Sunday, or Federal holiday.

Attachment E. BUSINESS DAY - A calendar day other than a Saturday, Sunday, or Federal holiday. GLOSSARY OF TERMS: ACH - The Automated Clearing House network. ACH OPERATOR - The central clearing facility that receives entries from ODFIs, edits and processes based on requirements of the Rules, distributes

More information

ACH Welcome Kit. Rev. 10/2014. Member FDIC Page 1 of 8

ACH Welcome Kit. Rev. 10/2014. Member FDIC Page 1 of 8 ACH Welcome Kit Rev. 10/2014 Member FDIC Page 1 of 8 Dear Customer, Thank you for utilizing FirstMerit s ACH services. We have finalized the setup of your ACH product and you may now begin processing ACH

More information

AFN-StudentBillingEFTGuide-040904

AFN-StudentBillingEFTGuide-040904 040904 2004 Blackbaud, Inc. This publication, or any part thereof, may not be reproduced or transmitted in any form or by any means, electronic, or mechanical, including photocopying, recording, storage

More information

NACHA Return Codes. The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.

NACHA Return Codes. The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry. NACHA Return Codes R01 Insufficient Funds The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry. R02 Account Closed A previously active account has been

More information

Virginia Department of Taxation. Electronic Payment Guide

Virginia Department of Taxation. Electronic Payment Guide Virginia Department of Taxation Electronic Payment Guide Rev. 03/17/2015 Table of Contents Overview of Electronic Payment Options... 3 Electronic Payment Requirements... 3 Filing Requirements ACH Credit

More information

AFN-AccountsPayableEFTGuide-120506

AFN-AccountsPayableEFTGuide-120506 120506 2006 Blackbaud, Inc. This publication, or any part thereof, may not be reproduced or transmitted in any form or by any means, electronic, or mechanical, including photocopying, recording, storage

More information

Payments & Transfers ACH

Payments & Transfers ACH Payments & Transfers ACH Online Banking Payments & Transfers ACH Online Banking / 2 Module Outline Introduction... 1 Slide 1: Module Overview... 3 Payments & Transfers - ACH... 4 Slide 2: ACH General Information...

More information

NEBRASKA FILE FORMAT FOR EMPLOYERS

NEBRASKA FILE FORMAT FOR EMPLOYERS NEBRASKA FILE FORMAT FOR EMPLOYERS Electronic Funds Transfer (EFT) / Electronic Data Interchange (EDI) Transactions 1. Your company transmits the payment and remittance information to your financial institution.

More information

Employer Announcement #86 Employer online statements, invoices and ACH requirements

Employer Announcement #86 Employer online statements, invoices and ACH requirements Employer Announcement #86 Employer online statements, invoices and ACH requirements Employer online statements and invoices are scheduled for modification August 2014. The modifications will divide statements

More information

ACH SERVICES STOP PAYMENT/DELETION, REVERSAL AND RECLAIM REQUEST REFERENCE GUIDE

ACH SERVICES STOP PAYMENT/DELETION, REVERSAL AND RECLAIM REQUEST REFERENCE GUIDE ACH SERVICES STOP PAYMENT/DELETION, REVERSAL AND RECLAIM REQUEST REFERENCE GUIDE Date: May 2006 Table of Contents Overview... 3 Stop Payment/Deletion... 3 Reversal... 3 Reclaim... 3 Stop Payment/Deletion

More information

Return Reason Codes for ACH Transactions

Return Reason Codes for ACH Transactions Return Reason Codes for ACH Transactions R01 - Insufficient Funds - Available balance is not sufficient to cover the dollar value of the debit entry. R02 - Account Closed - Previously active account has

More information

Health Savings Account Contribution Guide Version 7.0

Health Savings Account Contribution Guide Version 7.0 Health Savings Account Contribution Guide Version 7.0 Page 1 Introduction... 3 Getting started... 3 Step 1 Sign up for the Account Number File (ANF)... 3 Step 2 Select a contribution method... 4 Step 3

More information

SPECIAL PAYMENT METHODS

SPECIAL PAYMENT METHODS FYI-401 New Mexico Taxation and Revenue Department FOR YOUR INFORMATION Tax Information/Policy Office P.O. Box 630 Santa Fe, New Mexico 87504-0630 SPECIAL PAYMENT METHODS New Mexico requires its largest

More information

This presentation was originally given by:

This presentation was originally given by: This presentation was originally given by: Michael Alfonsi, Managing Director Analytic Results For questions about this material contact Michael at: 610-329-7980 ACH: Basics Michael Alfonsi AnalyticResults

More information

INFORMATION FOR YOUR BANK

INFORMATION FOR YOUR BANK INFORMAION FOR YOUR BANK NACHA RECORD FORMAS FOR CCD + ENRIES National Automated Clearing House Association (NACHA) record formats for CCD + entries flow in the following order: File Header Record Company/Batch

More information

State of Iowa Department of Human Services Employers Partnering In Child Support 501 Sycamore Street, Suite 500 Waterloo, IA 50703-4651

State of Iowa Department of Human Services Employers Partnering In Child Support 501 Sycamore Street, Suite 500 Waterloo, IA 50703-4651 Introduction Electronic Funds Transfer (EFT) / Electronic Data Information (EDI) Transactions INFORMATION FOR EMPLOYERS Electronic Funds Transfer (EFT) / Electronic Data Information (EDI) allows employers

More information

Treasury Management Guide to ACH Origination Processing and Customer Service March 2012

Treasury Management Guide to ACH Origination Processing and Customer Service March 2012 Treasury Management Guide to ACH Origination Processing and Customer Service March 2012 This guide provides important information regarding ACH origination processing at PNC and addresses many frequently

More information

Electronic Data Interchange- Inbound Payments EDI 820/EFT Specifications for Duke Energy

Electronic Data Interchange- Inbound Payments EDI 820/EFT Specifications for Duke Energy Electronic Data Interchange- Inbound Payments EDI 820/EFT Specifications for Duke Energy To: Electronic Data Interchange (EDI) Partners: The following pages contain layout specifications for EDI/EFT transmissions

More information

ACH USER GUIDE. Creating an ACH Batch CASH MANAGEMENT SERVICES

ACH USER GUIDE. Creating an ACH Batch CASH MANAGEMENT SERVICES Creating an ACH Batch 1. Once you are logged into your Online Banking account, select Cash Management, ACH, and then ACH Batch on the main navigation menu. Then follow the easy steps below to create a

More information

QUICK GUIDE Automated Clearing House (ACH) Rules for ACH Originators

QUICK GUIDE Automated Clearing House (ACH) Rules for ACH Originators QUICK GUIDE To ensure compliance with current regulations, all ACH Originators must obtain a current copy of the National Automated Clearing House Association (NACHA) Operating Rules (Rules) and Guidelines

More information

ACH Services & Payments

ACH Services & Payments ACH Services & Payments itreasury Module User Guide It s time to expect more. Regions Bank 032013 Member FDIC 1 Welcome to Regions itreasury Welcome to Regions itreasury online banking. The itreasury suite

More information

Automated Clearing House (ACH) Direct Deposit

Automated Clearing House (ACH) Direct Deposit User Guide Version2008 11/07 Automated Clearing House (ACH) Direct Deposit Table of Contents 1. INTRODUCTION... 1 2. HISTORY OF THE AUTOMATED CLEARING HOUSE...2 3. UNDERSTANDING DIRECT DEPOSIT...3 A. How

More information

Automated Clearing House (ACH) System

Automated Clearing House (ACH) System December 2010 Automated Clearing House (ACH) System Introduction The Financial Crimes Enforcement Network (FinCEN) has been receiving an increasing number of inquiries from the law enforcement community

More information

This article is designed to provide

This article is designed to provide 2003 ELECTRONIC PAYMENTS REVIEW AND BUYER S GUIDE UNDERSTANDING THE ACH NETWORK: AN ACH PRIMER This article is designed to provide those who are not familiar with the ACH Network with a basic understanding

More information

A Guide for Employers. Electronic Funds Transfer / Electronic Data Interchange (EFT / EDI) With the

A Guide for Employers. Electronic Funds Transfer / Electronic Data Interchange (EFT / EDI) With the A Guide for Employers Electronic Funds Transfer / Electronic Data Interchange (EFT / EDI) With the Mississippi Department of Human Services Division of Field Operations Child Support August 2015 Notes

More information

ACH Training. Automated Clearing House

ACH Training. Automated Clearing House ACH Training Automated Clearing House 2014 Information included in this training: General Information What is NACHA Standard Entry Class Codes ACH Services offered by Peoples Bank Originator Requirements

More information

The Commonwealth of Massachusetts Department of Revenue Child Support Enforcement Division

The Commonwealth of Massachusetts Department of Revenue Child Support Enforcement Division The Commonwealth of Massachusetts Department of Revenue Child Support Enforcement Division ELECTRONIC FUNDS TRANSFER (EFT) & ELECTRONIC DATA INTERCHANGE (EDI) INFORMATION FOR EMPLOYERS Thank you for your

More information

Once you are logged in to Online Banking Cash Management, you will be directed to the Online Banking main page.

Once you are logged in to Online Banking Cash Management, you will be directed to the Online Banking main page. Online ACH Once you are logged in to Online Banking Cash Management, you will be directed to the Online Banking main page. Click on the ACH tab to navigate between ACH functions. This will direct you to

More information

CCD and PPD Payment and Collection

CCD and PPD Payment and Collection ACH Payments Guide Table of Contents CCD and PPD Payment and Collection... 3 Payment Templates... 3 Collection Templates... 5 Approving ACH Template Requests... 7 Canceling ACH Template Requests... 7 About

More information

echeck.net Developer Guide

echeck.net Developer Guide echeck.net Developer Guide Advanced Integration Method (AIM) Transactions Authorize.Net Developer Support http://developer.authorize.net Authorize.Net LLC 082007 Ver.1.0 Authorize.Net LLC ( Authorize.Net

More information

FedACH Risk Management Services Quick Reference Guide: Using the FedACH Risk RDFI Alert Service to Retire Old ACH Receipt RTNs

FedACH Risk Management Services Quick Reference Guide: Using the FedACH Risk RDFI Alert Service to Retire Old ACH Receipt RTNs FedACH Risk Management Services Quick Reference Guide: Using the FedACH Risk RDFI Alert Service to Retire Old ACH Receipt RTNs V 08.06.15 1 FedACH Services Managing Retirement of Old ACH Receipt RTNs Your

More information

TREASURY MANAGEMENT. User Guide. ACH Services

TREASURY MANAGEMENT. User Guide. ACH Services TREASURY MANAGEMENT User Guide ACH Services Table of Contents Welcome to BBVA Compass ACH Services 2 Contact Information 2 Deadlines 2 Holidays 3 Getting Started 3 Compass e-access 3 Compass e-transmit

More information

Payment Options for Commercial Customers

Payment Options for Commercial Customers 1 Payment Options for Commercial Customers Choice is good especially when it comes to how you receive and pay your bills. That s why Con Edison offers you billing and payment options that are fast, convenient,

More information

International ACH Transactions (IAT) Frequently Asked Questions Corporate Customers. Contents

International ACH Transactions (IAT) Frequently Asked Questions Corporate Customers. Contents International ACH Transactions (IAT) Frequently Asked Questions Corporate Customers IAT changes were made for regulatory compliance The first step is to understand and recognize OFAC requirements - corporates

More information

INSTRUCTIONS FOR PAYING UNEMPLOYMENT INSURANCE TAXES TO THE NORTH CAROLINA DIVISION OF EMPLOYMENT SECURITY BY ACH CREDIT

INSTRUCTIONS FOR PAYING UNEMPLOYMENT INSURANCE TAXES TO THE NORTH CAROLINA DIVISION OF EMPLOYMENT SECURITY BY ACH CREDIT INSTRUCTIONS FOR PAYING UNEMPLOYMENT INSURANCE TAXES TO THE NORTH CAROLINA DIVISION OF EMPLOYMENT SECURITY BY ACH CREDIT INTRODUCTION This booklet contains general information about Electronic Funds Transfer

More information

Section E Electronic Items

Section E Electronic Items Automated Clearing House (ACH) Section E Electronic Items 1 Table of Contents E.1 Glossary of Terms... 1 E.1.1 ACH Operator or Automated Clearing House Operator... 1 E.1.2 ACK/ATX (Acknowledgement Entry)...

More information

Guide to Federal Financial EDI Payments

Guide to Federal Financial EDI Payments Guide to Federal Financial EDI Payments Published by Financial Management Service Department of the Treasury 1997 For additional copies of the Guide to Federal Financial EDI Payments, contact: Product

More information

Electronic Funds Transfer Payment Information

Electronic Funds Transfer Payment Information Electronic Funds Transfer Payment Information Table of Contents: Introduction 1 What the Two Payment Options? 2 Appendix A: How to Use the ACH Debit Method 3 Appendix B: How to Initiate an ACH Credit 5

More information

echeck.net Developer Guide

echeck.net Developer Guide echeck.net Developer Guide Advanced Integration Method (AIM) Transactions March 2014 Authorize.Net Developer Support http://developer.authorize.net Authorize.Net LLC 082007 Ver.2.0 Authorize.Net LLC (

More information

2 ACH Payment Processing

2 ACH Payment Processing Green Book 2000 Payment Processing 2 ACH Payment Processing Overview This chapter provides information about how Federal government ACH payments are processed. It also contains valuable information on

More information

User Manual. Online Treasury Manager: ACH Initiation

User Manual. Online Treasury Manager: ACH Initiation User Manual Online Treasury Manager: ACH Initiation Table of Contents OVERVIEW...1 System Access... 1 Login/Logout Procedures... 2 Online Treasury Manager Modules... 2 Accessing Images... 3 System Availability

More information

ACH CREDIT Payment Information

ACH CREDIT Payment Information Electronic Services 915 SW Harrison St. Topeka, KS 66612-1588 Nick Jordan, Secretary Steve Stotts, Director of Taxation phone: 785-296-6993 fax: 785-525-3901 www.webtax.org Sam Brownback, Governor Attn:

More information

International ACH Transactions (IAT) Frequently Asked Questions Corporate Customers

International ACH Transactions (IAT) Frequently Asked Questions Corporate Customers Frequently Asked Questions Corporate Customers IAT changes were made for regulatory compliance The first step is to understand and recognize OFAC requirements - corporates must comply with OFAC requirements

More information

WEB CASH MANAGER ACH PAYMENTS REFERENCE GUIDE

WEB CASH MANAGER ACH PAYMENTS REFERENCE GUIDE WEB CASH MANAGER ACH PAYMENTS REFERENCE GUIDE 2015 Contents ACH Training for Originators... 3 ABOUT THE AUTOMATED CLEARING HOUSE... 10 General Setup and Workflow... 11 Add a Database... 12 Edit Database

More information

Transmission Toolkit. Copyright 2009 KeyCorp All rights reserved.

Transmission Toolkit. Copyright 2009 KeyCorp All rights reserved. Transmission Toolkit Copyright 2009 KeyCorp All rights reserved. Contents I. General Transmission Overview I - 1 II. III. IV. Implementation and Service Information A. Responsibilities II. A-1 B. Implementation

More information

ASC X12 Finance Subcommittee. Consumer Service Provider (CSP) Billing and Payment Guide

ASC X12 Finance Subcommittee. Consumer Service Provider (CSP) Billing and Payment Guide ASC X12 FINANCE SUBCOMMITTEE VERSION 003 ù RELEASE 061 820 ASC X12 Finance Subcommittee Consumer Service Provider (CSP) Billing and Payment Guide Version 003 Release 061 - CSP - Consumer Service Provider

More information

Section VIII: ACH Payment Processing

Section VIII: ACH Payment Processing Section VIII: ACH Payment Processing Contents About ACH Payments... 2 About the Automated Clearing House... 2 ACH Terms and Features... 2 Workflow Example: ACH Payroll Application... 4 To Add a Database...

More information

Direct Deposit of Payroll Cash Concentration and Disbursement Consumer Debits and Credits. About ACH

Direct Deposit of Payroll Cash Concentration and Disbursement Consumer Debits and Credits. About ACH Automated Clearing House (ACH) Payments Use ACH to make a wide variety of payment types. Each data entry screen is specifically designed for a different kind of payment. Payment types, also called applications,

More information

Bank of North Dakota Automated Clearing House Overview

Bank of North Dakota Automated Clearing House Overview Bank of North Dakota Automated Clearing House Overview Contact information BND s Electronic Banking Department Phone: 1.800.472.2166 ext. 328.5749 or 701.328.5749 Email: bndelectronic@nd.gov Hours of operation

More information

Electronic Funds Transfer ACH Credit Instructions and Guidelines. EFT Helpline 1-877-308-9103 (Select option 2, 1, and then 1 again)

Electronic Funds Transfer ACH Credit Instructions and Guidelines. EFT Helpline 1-877-308-9103 (Select option 2, 1, and then 1 again) Electronic Funds Transfer ACH Credit Instructions and Guidelines EFT Helpline 1-877-308-9103 (Select option 2, 1, and then 1 again) December 2015 DIRECTORY INTRODUCTION GENERAL INFORMATION DEPARTMENT OF

More information

Colorado Department of Revenue Electronic Funds Transferred (EFT) Program For Tax Payments

Colorado Department of Revenue Electronic Funds Transferred (EFT) Program For Tax Payments DR 5782 (11/12/15) Colorado Department of Revenue Electronic Funds Transferred (EFT) Program For Tax Payments The Colorado Department of Revenue requires all organizations filing fuel, cigarette or tobacco

More information

NOTICE OF AMENDMENTS TO THE 2013 NACHA OPERATING RULES AND GUIDELINES SUPPLEMENT #1-2013. NACHA Operating Rules

NOTICE OF AMENDMENTS TO THE 2013 NACHA OPERATING RULES AND GUIDELINES SUPPLEMENT #1-2013. NACHA Operating Rules NOTICE OF AMENDMENTS TO THE 2013 NACHA OPERATING RULES AND GUIDELINES April 19, 2013 SUPPLEMENT #1-2013 NACHA Operating Rules Effective Date: March 15, 2013 1. ODFI Warranties Compliance with Foreign Payment

More information

Cash Management Balance Reporting Specifications Version 2. Technical Reference Manual

Cash Management Balance Reporting Specifications Version 2. Technical Reference Manual Cash Management Balance Reporting Specifications Version 2 Technical Reference Manual 10/2005 Printed in the United States of America Copyright 2005 by BAI, Chicago, Illinois All rights reserved. No part

More information

Business Online Banking

Business Online Banking Business Online Banking User Guide Rev. 01/11 Table of Contents Logging In... 1 Viewing the Online Banking Agreement... 3 Changing Your Company Password... 4 Cash User Login Screen... 5 Changing Your Cash

More information

echeck.net Operating Procedures and User Guide

echeck.net Operating Procedures and User Guide echeck.net Operating Procedures and User Guide Table of Contents Introduction... 4 What is echeck.net?... 4 Who can use echeck.net?... 4 Applying for echeck.net... 5 echeck.net Fees and Settings... 5 echeck.net

More information

ELECTRONIC FUNDS TRANSFER GUIDE

ELECTRONIC FUNDS TRANSFER GUIDE ELECTRONIC FUNDS TRANSFER GUIDE ACH CREDIT METHOD Included inside is an application form and instructions. INTRODUCTION Job Service North Dakota (JSND) has developed a program to accept Unemployment Insurance

More information

ELECTRONIC FUNDS TRANSFER (EFT): A payment made through Fed Wire or the ACH is referred to as an EFT.

ELECTRONIC FUNDS TRANSFER (EFT): A payment made through Fed Wire or the ACH is referred to as an EFT. FINANCE AND TREASURY POLICIES AND PROCEDURES E056 INCOMING ELECTRONIC FUND TRANSFERS PURPOSE To establish procedures to enable identification of incoming electronic fund transfers and expedite the related

More information

Electronic Funds Transfer (EFT) Payment Guide

Electronic Funds Transfer (EFT) Payment Guide Government of the District of Columbia Office of the Chief Financial Officer Office of Tax and Revenue Vincent C. Gray Mayor Natwar M. Gandhi Chief Financial Officer Stephen Cordi Deputy Chief Financial

More information

Businesses. Same Day ACH for

Businesses. Same Day ACH for Same Day ACH for Businesses No part of this material may be used without the prior written permission of NACHA. This material is not intended to provide any warranties or legal advice and is intended for

More information

Regions Client Image Cash Letter

Regions Client Image Cash Letter Regions Client Image Cash Letter Regions Bank Member FDIC Revised Nov. 2015 Client Image Cash Letter File Specification Requirements Guide Client Image Cash Letter (CICL) is an image processing service

More information

ANSI X12 version 4010 820 Remittance Advice

ANSI X12 version 4010 820 Remittance Advice ANSI X12 version 4010 820 Remittance Advice VERSION: 1.0 FINAL Author: Superior Essex Publication Date: 08/18/00 Trading Partner: All Notes: Remittance Advice 820's are transmitted with payment to the

More information

Guidelines for Garnishment of Accounts Containing Federal Benefit Payments

Guidelines for Garnishment of Accounts Containing Federal Benefit Payments Guidelines for Garnishment of Accounts Containing Federal Benefit Payments Per Issuance of Title 31, Part 212 of the Code of Federal Regulations, Interim Final Rule with Request for Comments Note: Appendix

More information

ACH Internal Control Questionnaire

ACH Internal Control Questionnaire ACH Internal Control Questionnaire AUTOMATED CLEARING HOUSE (ACH) Assessment of the Adequacy of Internal Controls Completed by: Date Completed: Quality of Management and Support for ACH Processing Activity

More information

A/P Direct Deposit (EFT) (with Electronic Tax Payment) for Solomon IV (Release 2.x) Users Guide Reference

A/P Direct Deposit (EFT) (with Electronic Tax Payment) for Solomon IV (Release 2.x) Users Guide Reference A/P Direct Deposit (EFT) (with Electronic Tax Payment) for Solomon IV (Release 2.x) Users Guide Reference Solomon IV Enhancement Product A/P Direct Deposit (EFT) (with Electronic Tax Payment) By Sandler

More information

Ease-E-Club Client Management Software by Computerease

Ease-E-Club Client Management Software by Computerease Ease-E-Club Client Management Software by Computerease Bluefin Payment Setup and Processing The Bank Export, Point of Sale and Client file are integrated with Bluefin Payment Systems: http://bluefin.com/computerease.

More information

2 ACH Payment Processing

2 ACH Payment Processing Green Book Payment Processing 2 ACH Payment Processing Overview This chapter provides information about how Federal government ACH payments are processed. It also contains valuable information on payment

More information

User Services: Melissa Jones - AWJONESM

User Services: Melissa Jones - AWJONESM file:///c:/program Files/xampp/htdocs/ktt/selfService/userServices.html?a=IR 1 of 2 3/14/2011 10:53 AM Services Summary: Information Reporting Standard Reports Previous Day Summary Only Previous Day Summary

More information

5500 Brooktree Road, Suite 104 Wexford, PA 15090 888-436-5101 www.profituity.com AN OVERVIEW OF ACH COPYRIGHT 2013, PROFITUITY, LLC

5500 Brooktree Road, Suite 104 Wexford, PA 15090 888-436-5101 www.profituity.com AN OVERVIEW OF ACH COPYRIGHT 2013, PROFITUITY, LLC 5500 Brooktree Road, Suite 104 Wexford, PA 15090 888-436-5101 www.profituity.com AN OVERVIEW OF ACH COPYRIGHT 2013, PROFITUITY, LLC Page 2 of 11 Contents Automated Clearing House... 3 The Role of NACHA...

More information

Payflow ACH Payment Service Guide

Payflow ACH Payment Service Guide Payflow ACH Payment Service Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: October 2013

More information

Business-to-Business EIPP: Presentment Models and Payment Options

Business-to-Business EIPP: Presentment Models and Payment Options Business-to-Business EIPP: Presentment Models and Payment Options Part Two: Payment Options Contact: Director, Electronic Billing and Payment NACHA The Electronic Payments Association 13665 Dulles Technology

More information

Federal Reserve Banks Operating Circular No. 4 AUTOMATED CLEARING HOUSE ITEMS

Federal Reserve Banks Operating Circular No. 4 AUTOMATED CLEARING HOUSE ITEMS Federal Reserve Banks AUTOMATED CLEARING HOUSE ITEMS Effective November 4, 2013 FEDERAL RESERVE BANKS OPERATING CIRCULAR NO. 4 Effective November 4, 2013 AUTOMATED CLEARING HOUSE ITEMS (Click CTRL + section

More information

Accounts Payable - EFT (with Electronic Tax Payment) for Solomon IV (Release 4.x) Users Guide Reference

Accounts Payable - EFT (with Electronic Tax Payment) for Solomon IV (Release 4.x) Users Guide Reference Accounts Payable - EFT (with Electronic Tax Payment) for Solomon IV (Release 4.x) Users Guide Reference Solomon IV Enhancement Product Accounts Payable - EFT (with Electronic Tax Payment) By Sandler Kahne

More information

The Wells Fargo Payment Gateway Business Center. User Guide

The Wells Fargo Payment Gateway Business Center. User Guide The Wells Fargo Payment Gateway Business Center User Guide Contents 1 Introduction 1 About the Wells Fargo Payment Gateway service Business Center 1 About this guide 2 Access the Business Center 2 Log

More information

I. Simplifying Payment Processing. II. Authorizing Your Transactions Correctly page 6

I. Simplifying Payment Processing. II. Authorizing Your Transactions Correctly page 6 Welcome to PaySimple! Congratulations on choosing PaySimple for all your payment processing needs! You will quickly notice that billing and collections is transformed into an effortless process. With PaySimple,

More information

Electronic Payments: ACH and Card Processing

Electronic Payments: ACH and Card Processing 1. ELECTRONIC PAYMENT: ACH AND CARD PROCESSING DEVELOPMENT... 2 1.1. ACH: CHECK BY PHONE... 2 1.2. CARD PROCESSING - MANUAL ENTRY OR CARD SWIPE/READER... 2 1.3. BATCH POSTING - WEBACH; WEBCC; WEBPAY...

More information

Once form has been completed by one or more employees the information can be entered on the employees direct deposit screen.

Once form has been completed by one or more employees the information can be entered on the employees direct deposit screen. Banyon Data Systems, Inc. DIRECT DEPOSIT MODULE BDS Direct Deposit or ACH (Automated Clearing House) allows your entity to transfer its employee s pay directly to their bank accounts. This module does

More information

Customer Electronic Payments Guide

Customer Electronic Payments Guide Customer Electronic Payments Guide Introduction Welcome to Consumers Energy Company s Electronic Payments guide for customer payments. At Consumers Energy we are committed to improving customer satisfaction.

More information

Illinois Department Of Employment Security. Authorization Agreement. For Electronic Funds Transfer (EFT) Via ACH Credit

Illinois Department Of Employment Security. Authorization Agreement. For Electronic Funds Transfer (EFT) Via ACH Credit Illinois Department Of Employment Security Authorization Agreement For Electronic Funds Transfer (EFT) Via ACH Credit Company Name: Company Address: Employer Account #: Federal Identification # (FEIN):

More information

DEPARTMENT OF THE TREASURY

DEPARTMENT OF THE TREASURY DEPARTMENT OF THE TREASURY These Specifications for Electronic Filing of Currency Transaction Reports by Casinos were developed under the sponsorship of the following: Financial Crimes Enforcement Network

More information

Business e-cash Manager Plus Automated Clearing House (ACH)

Business e-cash Manager Plus Automated Clearing House (ACH) Business e-cash Manager Plus Automated Clearing House (ACH) 1 Welcome to the Business e-cash Manager Plus WebEx training on Business ecash Manager Plus s ACH Module. 1 Table of Contents i. Add ACH Profile

More information

ACH Operations Bulletin #2-2014

ACH Operations Bulletin #2-2014 ACH Operations Bulletin #2-2014 ACH Transactions Involving Third-Party Senders and Other Payment Intermediaries December 30, 2014 EXECUTIVE SUMMARY In most ACH transactions, the roles of the various parties

More information

Administrative Simplification Operating Rules

Administrative Simplification Operating Rules Administrative Simplification Operating Rules April 8, 2014 Geanelle Herring Policy Analyst, Administrative Simplification Group Centers for Medicare & Medicaid Services Priscilla Holland, AAP, CCM Senior

More information

OKLAHOMA DEPARTMENT OF HUMAN SERVICES Oklahoma Child Support Services Centralized Support Registry P. O. Box 268954 Oklahoma City, OK - 73126-8954

OKLAHOMA DEPARTMENT OF HUMAN SERVICES Oklahoma Child Support Services Centralized Support Registry P. O. Box 268954 Oklahoma City, OK - 73126-8954 OKLAHOMA DEPARTMENT OF HUMAN SERVICES Oklahoma Child Support Services Centralized Support Registry P. O. Box 268954 Oklahoma City, OK - 73126-8954 Dear Customer: Enclosed are guidelines and detailed information

More information

Siebel Payment Designer s Guide

Siebel Payment Designer s Guide Siebel Payment Designer s Guide Version 5.1 Data Published: 5.5.2006 Copyright 2005, 2006, Oracle. All rights reserved. The Programs (which include both the software and documentation) contain proprietary

More information