International ACH Transactions (IAT) File Format Guide

Transcription

1 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 new IAT format; however, it is important to note that the actual content of the fields will vary depending on the destination and type of transaction being sent. We always recommend having your files tested by our ACH Department prior to sending a live file. To schedule testing of your ACH direct transmission files in the new IAT format, contact your Commercial Customer Service Team or call to be directed to your Commercial Customer Service Team. IAT ACH File Header Sample Header: YYMMDD0810A094101U.S. Bank Your Company Name Record Type Code / NACHA MANDATORY FIELD Priority Code / NACHA MANDATORY FIELD B Immediate Destination / NACHA MANDATORY FIELD (B=Blank space) Immediate Origin - Nine digit Fed Tax ID with '1' inserted as first character unless notified by U.S. Bank that first character will be different / NACHA MANDATORY FIELD YYMMDD File Creation Date / NACHA MANDATORY FIELD HHMM File Creation Time / NACHA OPTIONAL FIELD, U.S.BANK REQUIRED FIELD Alpha/Numeric File ID Modifier - Using either numbers or letters, indicate sequentially the individual files submitted the same day / NACHA MANDATORY FIELD Record Size / NACHA MANDATORY FIELD Blocking Factor / NACHA MANDATORY FIELD Format Code / NACHA MANDATORY FIELD U.S. Bank Destination Name - left justify, blank fill / NACHA REQUIRED FIELD Origin Name The name of the company or third party vendor that is sending the file, left justify, blank fill / NACHA REQUIRED FIELD Blanks or 0's Reference Code - Use blank spaces or zeros 07/09 Page 1 of 14

2 IAT Company/Batch Header Record for IAT Entries (IAT Batches) Sample Batch Header: 5220 FF3 CA IATACH USDUSD Record Type Code / NACHA MANDATORY FIELD Service Class Code / NACHA MANDATORY FIELD Mixed Debits and Credits Credits Only Debits Only IAT Indicator For forward IAT entries, this field should be left blank. For Notification of Change related IAT entries, this field must contain the value IATCOR, left justify, blank fill / NACHA OPTIONAL FIELD Foreign Exchange Indicator Code used to indicate the foreign exchange conversion methodology applied to an IAT / NACHA MANDATORY FIELD FV Fixed-to-Variable Entry is originated in a fixed-value amount and is to be received in a variable amount resulting from the execution of the foreign exchange conversion FF Fixed-to-Fixed Entry is originated in a fixedvalue amount and is to be received in the same fixedvalue amount in the same currency denomination. There is no foreign exchange conversion for entries transmitted using this code. For entries originated in a fixed-value amount, the Foreign Exchange Reference Indicator Field will be space filled Foreign Exchange Reference Indicator Code used to indicate the content of the Foreign Exchange Reference Field / NACHA REQUIRED FIELD 1 Foreign Exchange Rate 2 Foreign Exchange Reference Number 3 Space Filled Foreign Exchange Reference Contains either the foreign exchange rate used to execute the foreign exchange conversion of an IAT entry or another reference to the foreign exchange transaction. Content is defined by the Foreign Exchange Reference Indicator Field. / NACHA REQUIRED FIELD ISO Destination Country Code This field contains the two-character code as approved by the International Organization for Standardization(ISO) used to identify the country in which the entry is to be received/ NACHA MANDATORY FIELD Originator Identification Nine digit Federal Tax ID with a 1 as first character unless otherwise notified by U.S. Bank that the first character will be different / NACHA MANDATORY FIELD 07/09 Page 2 of 14

3 IAT Company/Batch Header Record for IAT Entries (IAT Batches) continued IAT Standard Entry Class Code IAT entries must be originated using the IAT Standard Entry Class Code and must be accompanied by seven mandatory addenda records. IAT entries may include optional remittance addenda records. / NACHA MANDATORY FIELD Company Entry Description Description of the purpose of the entry (payroll, ), left justify, blank fill / NACHA MANDATORY FIELD ISO Originating Currency Code This field contains the three-character code as approved by the International Organization for Standardization(ISO) used to identify the currency denomination in which the entry was first originated. / NACHA MANDATORY FIELD ISO Destination Currency Code This field contains the three-character code as approved by the International Organization for Standardization(ISO) used to identify the currency denomination in which the entry is to be received. / NACHA MANDATORY FIELD YYMMDD Effective Entry Date Date transactions are to post to the receiving account. / NACHA REQUIRED FIELD Blanks Settlement Date Blank spaces, Inserted by ACH Operator Originator Status Code / NACHA MANDATORY FIELD GO Identification/Originating DFI Identification U.S. Bank routing-transit number (1 st eight characters) / NACHA MANDATORY FIELD Batch Number Indicate first batch by 1 sequentially increasing with each batch, right justify, zero fill / NACHA MANDATORY FIELD 07/09 Page 3 of 14

4 IAT ENTRY DETAIL RECORDS Sample Data Record: Record Type Code / NACHA MANDATORY FIELD **Transaction Code (see below) / NACHA MANDATORY FIELD 3 & GO Identification / Receiving DFI Identification The routing number of U.S. Gateway Operator / NACHA MANDATORY FIELD Number of Addenda Records This number represents the number of addenda records associated with the Entry Detail Record, right justify, zero fill / NACHA REQUIRED FIELD Leave blank Reserved do not fill in $$$$$$$$ Amount Dollar amount of Debit/Credit, right justify, zero fill / NACHA MANDATORY FIELD Foreign Receiver s Account Number / DFI Account Number The foreign receiver s account number, left justify, blank fill / NACHA MANDATORY FIELD Leave blank Reserved do not fill in Leave blank Leave blank Gateway Operator OFAC Screening Indicator / do not fill in Inserted by Gateway Operator Secondary OFAC Screening Indicator / do not fill in Addenda Record Indicator The value of this field for all IAT entries, including IAT prenotification entries, will always be 1. / NACHA MANDATORY FIELD Trace number - right justify, zero fill The last seven positions is the Entry Detail Sequence Number in ascending order to entries in the batch ( , , , )/ NACHA MANDATORY FIELD **Common Transaction Codes (refer to the NACHA rule book for a complete list of transaction codes) 32 Savings Credit 33 Savings Credit Prenote 37 Savings Debit 38 Savings Debit Prenote 22 Checking Credit 23 Checking Credit Prenote 27 Checking Debit 28 Checking Debit Prenote Note: Do NOT include an offset or balancing entry in your ACH detail record (ex. Your file is payroll credits and you include a debit entry to your USB account to offset the credits). US Bank will automatically generate your settlement for you. 07/09 Page 4 of 14

5 First IAT Addenda Record Sample 1 ST IAT Addenda Record: 710SAL RECEIVER Addenda Type Code / NACHA MANDATORY FIELD **Transaction Type Code applicable code (see below) / NACHA REQUIRED FIELD Foreign Payment Amount For outbound IAT entries originated using a Foreign Exchange Indicator of FV, this field is zero-filled or for FF, this field contains the amount for which the entry is to be received. / NACHA REQUIRED FIELD Leave blank Foreign Trace Number do not fill in Receiving Company Name/Individual Name The Receiver of the transaction, left justify, blank fill. / NACHA MANDATORY FIELD Leave blank Reserved Do not fill in Entry Detail Sequence Number This number is the same ** Transaction Type Codes ANN Annuity BUS Business/Commercial DEP Deposit LOA Loan MIS Miscellaneous MOR Mortgage PEN Pension RLS Rent/Lease SAL Salary/Payroll TAX Tax ARC Accounts Receivable Entry (check serial number must be in the Payment Related Information field of the IAT Addenda Record for Remittance Information) BOC Back Office Conversion Entry (check serial number must be in the Payment Related Information field of the IAT Addenda Record for Remittance Information) MTE Machine Transfer Entry (terminal information including the terminal identification code, terminal location, terminal city, and terminal state or foreign country must be in the Payment Related Information field of the IAT Addenda Record for Remittance Information) POP Point of Purchase Entry (check serial number and terminal information, city and state or foreign country, must be in the Payment Related Information field of the IAT Addenda Record for Remittance Information) POS Point of Sale Entry (terminal information including the terminal identification code, terminal location, terminal city, and terminal state or foreign country must be in the Payment Related Information field of the IAT Addenda Record for Remittance Information) RCK Re-presented Check Entry (check serial number must be in the Payment Related Information field of the IAT Addenda Record for Remittance Information) SHR Shared Network Transaction (terminal information including the terminal identification code, terminal location, terminal city, and terminal state or foreign country must be in the Payment Related Information field of the IAT Addenda Record for Remittance Information) TEL Telephone-Initiated Transaction WEB Internet-Initiated Entry 07/09 Page 5 of 14

6 Second IAT Addenda Record Sample 2 ND IAT Addenda Record: 711TEST COMPANY 111 Spt Street, Addenda Type Code / NACHA MANDATORY FIELD Originator Name The Originator of the transaction, left justify, blank fill / NACHA MANDATORY FIELD Originator Street Address The physical street address of the Originator, left justify, blank fill / NACHA MANDATORY FIELD Leave blank Reserved do not fill in Entry Detail Sequence Number This number is the same 07/09 Page 6 of 14

7 Third IAT Addenda Record Sample 3 RD IAT Addenda Record: 712St Paul*MINNESOTA\ UNITED STATES*55101\ Addenda Type Code / NACHA MANDATORY FIELD Originator City & State/Province The city and, if applicable, the state or province of the Originator. An asterisk ( * ) will be the delimiter between the data elements, and the backslash ( \ ) will be the terminator following the last data element, left justify, blank Originator Country & Postal Code The country and postal code of the Originator. An asterisk ( * ) will be the delimiter between the data elements, and the backslash ( \ ) will be the terminator following the last data element, left justify, blank fill. / NACHA MANDATORY FIELD Leave blank Reserved do not fill in Entry Detail Sequence Number This number is the same 07/09 Page 7 of 14

8 Fourth IAT Addenda Record Sample 4 th IAT Addenda Record: 713U.S. BANCORP US Addenda Type Code / NACHA MANDATORY FIELD U.S. Bank Originating DFI name left justify, blank fill / NACHA MANDATORY FIELD Originating DFI Identification Number Qualifier / NACHA MANDATORY FIELD Originating DFI Identification - U.S. Bank routingtransit number (1st eight characters) / NACHA MANDATORY FIELD US Originating DFI Branch Country Code left justify, blank fill / NACHA MANDATORY FIELD Leave blank Reserved- do not fill in Entry Detail Sequence Number This number is the same 07/09 Page 8 of 14

9 Fifth IAT Addenda Record Sample 5 th IAT Addenda Record: 714BANK OF CANADA 02BCANCAW2XXX CA Addenda Type Code / NACHA MANDATORY FIELD Receiving DFI name Name of the Receiving Depository Financial Institution, left justify, blank fill / NACHA MANDATORY FIELD Receiving DFI Identification Number Qualifier 2- digit code that identifies the numbering scheme used in the Receiving DFI Identification Number Field / NACHA MANDATORY FIELD 01 National Clearing System Number 02 BIC Code 03 - IBAN Receiving DFI Identification Number the bank identification number of the DFI at which the Receiver maintains his account, left justify, blank fill / NACHA MANDATORY FIELD Receiving DFI Branch Country Code a 2-character code used to identify the country in which the branch of the bank that receives the entry is located, left justify, blank fill / NACHA MANDATORY FIELD Leave Blank Reserved Do not fill in Entry Detail Sequence Number This number is the same 07/09 Page 9 of 14

10 Sixth IAT Addenda Record Sample 6 th IAT Addenda Record: MAIN ST Addenda Type Code / NACHA MANDATORY FIELD Receiver Identification Number this field may be used by the Originator to insert its own number for tracing purposes, left justify, blank fill / NACHA OPTIONAL FIELD Receiver Street Address the physical street address of the Receiver, left justify, blank fill / NACHA MANDATORY FIELD Leave Blank Reserved Do not fill in Entry Detail Sequence Number This number is the same 07/09 Page 10 of 14

11 Seventh IAT Addenda Record Sample 7 th IAT Addenda Record: 716ABC CITY*Ottawa\ Canada*123456\ Addenda Type Code / NACHA MANDATORY FIELD Receiver City & State/Province the city and, if applicable, the state or province of the Receiver. An asterisk ( * ) will be the delimiter between the data elements, and the backslash ( \ ) will be the terminator following the last data element, left justify, blank fill / NACHA MANDATORY FIELD Receiver Country & Postal Code the country and postal code of the Receiver. An asterisk ( * ) will be the delimiter between the data elements, and the backslash ( \ ) will be the terminator following the last data element, left justify, blank fill / NACHA MANDATORY FIELD Leave Blank Reserved Do not fill in Entry Detail Sequence Number This number is the same 07/09 Page 11 of 14

12 IAT Addenda Record for Remittance Information Sample Addenda: 717S12*13*198354*000014*0\ Addenda Type Code / NACHA MANDATORY FIELD Payment Related Information - An asterisk ( * ) will be the delimiter between the data elements, and the backslash ( \ ) will be the terminator following the last data element, left justify, blank fill / NACHA OPTIONAL FIELD, BANK RECOMMENDED FIELD Addenda Sequence Number, right justify, zero fill. NACHA REQUIRED FIELD Entry Detail Sequence Number This number is the same 07/09 Page 12 of 14

13 Company/Batch Control Record Sample Batch Trailer: Record Type Code / NACHA MANDATORY FIELD Service Class Code / NACHA MANDATORY FIELD Mixed Debits and Credits Credits Only Debits Only Entry/Addenda Count - Number of entry detail and addenda records (type 6 and 7 records) in batch, right justify, zero fill / NACHA MANDATORY FIELD Entry Hash - Sum of first eight digits of the routing-transit numbers within the batch, right justify, left truncate / NACHA MANDATORY FIELD $$$$$$$$$$ Total Debit Entry Dollar Amount - Sum of the debit entry dollar amounts in batch, right justify, zero fill / NACHA MANDATORY FIELD $$$$$$$$$$ Total Credit Entry Dollar Amount - Sum of the credit entry dollar amounts in batch, right justify, zero fill / NACHA MANDATORY FIELD Company ID - Nine digit Federal Tax ID with a '1' as first character unless notified by U.S. Bank that first character will be different / NACHA REQUIRED FIELD **Message Authentication Code (MAC) An eight character code derived from a special key used in conjunction with the DES algorithm. Remaining eleven positions of this field to remain blank. NACHA OPTIONAL FIELD Leave Blank RESERVED Do not fill in Originating DFI Identification - U.S. Bank routingtransit number / NACHA MANDATORY FIELD Batch Number - Indicate first batch by '1' sequentially increasing with each batch, right justify, zero fill / NACHA MANDATORY FIELD ** Companies using a MAC must ensure that the DES algorithm and key message standards are in accordance with standards adopted by the American National Standards Institute. See the NACHA rule book for additional information. 07/09 Page 13 of 14

14 File Control Record Sample Trailer: Record Type Code / NACHA MANDATORY FIELD Batch Count - Number of batches (Type 8 records) in the file, right justify, zero fill / NACHA MANDATORY FIELD Block Count - Sum of all records divided by 10 and rounded to the next highest integer, right justify, zero fill / NACHA MANDATORY FIELD Entry Addenda Count - Number of entry detail and addenda records (Type 6 and 7 records) in file, right justify, zero fill / NACHA MANDATORY FIELD Entry Hash - Sum of first eight digits of the routing-transit numbers within file, right justify, left truncate / NACHA MANDATORY FIELD $$$$$$$$$$ Total Debit Entry Dollar Amount - Sum of the debit entry dollar mounts in file, right justify, zero fill / NACHA MANDATORY FIELD $$$$$$$$$$ Total Credit Entry Dollar Amount - Sum of the credit entry dollar mounts in file, right justify, zero fill / NACHA MANDATORY FIELD Blanks Reserved - Do not fill in 07/09 Page 14 of 14