Xargaar ToolsTurn a CSV of payments into a NACHA ACH credit file.
Drop in a CSV with receiver name, routing number, account number, type and amount. Every routing number and amount is checked, you see the total, and you get a 94-character-record ACH credit file to upload to your bank. Nothing is uploaded from this page.
The record layout follows a bank's published NACHA format guide and was compared with that bank's published sample file. It has not been tried with a live bank, and banks differ in what they require, including the values for company identification and immediate origin, so use the values your bank gave you and check the total and the credits in your bank's upload screen before you approve anything. Routing numbers are checked for the check digit only: that does not show an account exists. This tool writes credits only, in USD. This is not payment, tax or legal advice.
1. Your company and bank details
2. Your payments file
Set these to match your file before you drop it. Nothing is guessed. Limits: 1,000 credits per file.
What it does
Finds the columns by header name. Each row's routing number, account, type, amount and text is checked. A bad row stops the file with its row number.
You see every credit and the total. Characters outside the bank guide's list are refused, not changed. Names are written in capitals.
An ACH file with file header, batch header, entry, batch control and file control records, entry hash and totals, padded to blocks of ten records.
Pay once. Build bigger ACH files.
- Up to 1,000 credits per file instead of 3.
- One folder that opens in your browser with no internet. Your payee list and account numbers stay on your computer.
- No subscription.
Questions
What does the file contain?
One file header, one batch with service class 220 (credits only), one entry per row, a batch control record and a file control record, each 94 characters, padded with lines of 9s to a multiple of ten records, as the bank's guide describes.
Why does it ask for company identification and immediate origin?
Banks set these values and they differ. The tool copies what you type. Ask your bank for the exact values and any other rules, such as whether they want an offsetting entry.
Why did it refuse a name or character?
The bank guide lists letters, digits and ^ ! _ @ # $ % & , * : . / + - and a space. Anything else is refused so you decide what to change.
Does a passing routing number mean the account exists?
No. It only passes the routing check-digit test, which catches typing mistakes. Nothing checks the account.
Why can't I write debits?
Debits need the account holder's authorization and extra rules. This tool writes credits only.
Why do I have to tick a box?
The file moves money once your bank processes it. The box makes you look at the total and the credits first.