ACH incomming and outgoing formats

[mdsi2000]

All,
Is anybody familiar with ACH file formats? I have written a couple of
formats for this one bank and everything has been working fine. Now we
are switching banks and they are asking for incoming and outgoing
formats. I can't find anything on the ACH rules book about incoming
and outgoing.

Any help will be appreciated.

Thanks,
Peter G.

[Peter McMurray]

Hi
http://www.achnetwork.com/introtoach.html
Thanks for the warning, I do several banks but had not run into the
Automated Clearing House requirements before.
Peter McMurray
"mdsi2000" <mdsi...@yahoo.com> wrote in message
news:8bf4155c-73ce-4087...@26g2000hsk.googlegroups.com...

[Dave]

Peter,

I forwarded your inquiry to a friend of mine, Richard Bort, who is
involved with me in EDI and the banking industry and here is his
response:

Let me know if you need more information.

Rgds,

Dave Taylor
Sysmark Information Systems, Inc,
Authorized IBM Business Partner
800-SYSMARK (800-797-6275)
davet at sysmarkinfo dot com
www.sysmarkinfo.com

----from Richard Bort------

The ACH formats are all specified in a phonebook-size document called
"NACHA Rules," published by the National Automated Clearing House
Association. All banks are REQUIRED to use these formats exactly as
specified for all interbank transactions. The NACHA Rules specify the
outer, or interchange, enveloping structure as well as the structure
of the internal data content, with few exceptions. One exception is
the CTX format, in which the outer enveloping is according to NACHA
Rules and the enveloping surrounds a file structure containing the
business data in X12 format.

There is no distinction between "incoming" and "outgoing" formats;
what is "outgoing" to one bank is "incoming" to the other bank.

Most banks' application systems that deal with sending or receiving
payments have the interfaces built in so that the applications can
interface easily with the well-known and well-documented ACH, Fedwire,
and SWIFT formats.

[Bill H]

Peter:

ACH is an acronym for a method of moving funds from one bank account to
another bank account via a network between participating financial
institutions. This funds movement is accomplished via a NACHA defined file.
It's nothing more than a text file in a specific format, where each record
is a line in a "fixed-width" format.

Any bank can provide you with a booklet that defines these file formats. My
latest copy is the "2007 ACH Rules - Corporate Edition". This booklet has,
maybe, 150 pages in it that defines all aspects of NACHA (National Automated
Clearing House Association) activity.

Incoming and outgoing file formats are the same and are governed by the
above NACHA rules; one banks incoming is another banks outgoing.

If you have specific questions I'm sure we can answer them.

Hope this helps.

Bill

"mdsi2000" <mdsi...@yahoo.com> wrote in message
news:8bf4155c-73ce-4087...@26g2000hsk.googlegroups.com...

[mdsi2000]

Thank you guys!

I had a feeling that there were no such formats for incoming and
outgoing. It depends on the individual that you are communication
with. I'll just have to educate this person on using the proper
terminology.

Peter G.