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Ach transaction codes list11/16/2023 ![]() The code refers to the ODFI initiating the entry. The banking day the Originator intends a batch of entries to be settled. ![]() Originator establishes this field as the date it would like to see displayed to the Receiver for descriptive purposes. Originator inserts this field's value to provide the Receiver with a description of the entry's purpose however some SEC Codes require specific values for this field. Three-character code used to identify distinct types of entries. Originator/ODFI may include codes of significance only to them to enable specialized handling of all entries within the batch. Name of the Originator known and recognized by the Receiver. Identifies the general classification of dollar entries to be exchanged. This field is reserved for information pertinent to the business. Name of the financial institution sending the payment file. Name of the financial institution receiving the payment file. ![]() The time that the ACH file was created using a 24-hour, military time format.įor a single processing day, each file submitted by the financial institution should have a unique ID to allow for thorough duplicate file identification.Īlways "094" because every record contains 94 characters.Īlways "10" because the blocking factor is 10. ![]() The nine-digit routing transit number of the institution sending (originating) the ACH file, preceded by a blank. (Often your ODFI will have you insert your company ID in this field.) The nine-digit routing number of the institution receiving the ACH file for processing, preceded by a blank. Typically, this is your bank’s routing and transit number. mobile device) except for an oral authorization via a telephone call.įor credit WEB Entries: no authorization by the Receiverįor debit WEB Entries: similarly authenticated* Notification is required prior to acceptance of the checkĪ single or a recurring ACH debit that occurs when the consumer’s authorization for a transfer of funds is received orally via the telephone.įor Single, recorded oral authorization or written notice provided to the consumer confirming the oral authorization.* For Recurring, a copy of the authorization must be provided to the consumer.Ĭredit WEB Entries: A Person-to-Person entry transmitted on behalf of one natural person to another natural person, or between accounts belonging to the same natural person.ĭebit WEB Entries: ACH entry initiated according to an authorization obtained via the internet or a wireless network (e.g. Originators can re-present a check that has been processed through the check collection system as a paper or image item, and returned because of insufficient or uncollected funds Only one addenda record can be attached to each payment entry (the + denotes containing an addenda record)ĭirect Deposit Oral/Nonwritten Direct Payments Written Initiated at an electronic terminal using merchant issued physical card or other access deviceĪ single or a recurring ACH credit or debit sent by an originator to a consumer account to make or collect a payment, where authorization is obtained in writing. Notification prior to acceptance of the check and written authorization required. They are commonly used in trading partner relationships because a full ANSI ASC X12 message or payment-related UN/EDIFACT information can be sent with the CTX entry.Īn Entry that is part of a payment transaction involving a financial agency’s office that is not located within the territorial jurisdiction of the United States.įor Consumer Credit Entries: oral/nonwrittenĪ single ACH debit initiated by an originator based on an eligible source document provided at a point-of-purchase or manned bill payment location. Presumed agreement between consumer and company or paying agent.Ī single or a recurring ACH credit or debit originated to a corporate account that supports up to 9,999 addenda records. They are commonly used by Originators to pay vendors, concentrate funds from outlying accounts (cash concentration), to fund payroll, petty cash, or other disbursement accounts.Ī CCD entry can contain a single addenda record to relay payment-related information.Īgreement required for transfers between companies written authorization implied.Ī credit entry initiated by consumer through a bill payment service provider to pay bills. Notification is required prior to acceptance of the check.Ī single ACH debit initiated by an originator based on an eligible source document provided at the point-of-purchase or at a manned bill payment location for subsequent conversion during back office conversion.Ī single or a recurring ACH credit or debit originated to a corporate account. mail or delivery service at a lockbox location or in person at a manned location for the payment of a bill. A single ACH debit used by originator for the conversion of an eligible source document received via the U.S.
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