Integrity Bank and Trust Digital Guide

49

ACH

ACH File Upload

An ACH file allows you to upload properly formatted NACHA files generated using electronic transmissions, addresses the sequence of Records in an ACH File, and gives a descriptive overview of the records contained in a File. Integrity only allows files using PPD and CCD SEC codes. The following validations are performed on uploaded ACH files: • File structure • Record field validations (record length, alphanumeric, special characters) • File balanced utilizing an offset account available in digital banking • Batch and File Control Totals equal contents of file • Hash totals equal contents of file • Dollar Limits are within Business and User aggregate ACH limits • Company Names and IDs match what was set up by your financial institution • Effective Date is within permitted date range • Business Cutoff • ACH Debit and Credit Lead Days • Same Day ACH Cutoff

ACH: ACH File Upload