ACH Payment File Structure

File Header Record – type 1 - all entries

The File Header record indicates specific file characteristics: the origin and destination of the file, the file creation date/time and other identification fields that allow the file to be identified uniquely.

Field	Field Name	Requirement	Contents Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘1’	1	1	1
2	PRIORITY CODE	Mandatory	Always ‘01’	2	2	3
3	IMMEDIATE DESTINATION	Mandatory	GS Bank routing number Always ‘b026015079’ (‘b’= space)	10	4	13
4	IMMEDIATE ORIGIN	Mandatory	Client selected identifier that identifies the file or its source. The 3 fields (Immediate Origin, File Creation Date & File ID Modifier) uniquely identify a file as received by GS Bank	10	14	23
5	FILE CREATION DATE	Mandatory	Date in ‘YYMMDD’	6	24	29
6	FILE CREATION TIME	Mandatory	Time in ‘HHMM’	4	30	33
7	FILE ID MODIFIER	Mandatory	Upper case A-Z Numeric 0-9. Start with ‘A’ for the first file of the day. Increment to ‘B’, ‘C’, and so on, up to ‘Z’ (followed by ‘0’ to ‘9’) for every subsequent file during the day	1	34	34
8	RECORD SIZE	Mandatory	Always ‘094’	3	35	37
9	BLOCKING FACTOR	Mandatory	Always ‘10’	2	38	39
10	FORMAT CODE	Mandatory	Always ‘1’	1	40	40
11	IMMEDIATE DESTINATION NAME	Mandatory	Always “GS BANK USA”	23	41	63
12	IMMEDIATE ORIGIN NAME	Mandatory	Alphanumeric. Sending organization name	23	64	86
13	REFERENCE CODE	Optional	Alphanumeric Optional for your reference. Ignored by GS Bank	8	87	94

File Header Record – Example
101 02601507911223344552006011330A094101GS BANK USA YOUR COMPANY NAME REF123AB

Company / Batch Header Record – type 5 – for CCD, CTX, PPD, WEB and TEL entries

The Company / Batch Header record indicates key transaction attributes that are common to all entries contained in the batch. Among other things, it indicates the Originator, the Effective Entry Date (settlement / value date), a brief description of the purpose and the Standard Entry Class Code common to all transactions in the batch

Field	Field Name	Requirement	Contents/Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘5’	1	1	1
2	SERVICE CLASS CODE	Mandatory	Identifies the type of entries in the batch. Enter one of the following codes: * ‘200’ – Batch containing ACH Credits and Debits * ‘220’ – Batch containing ACH Credits only * ‘225’ – Batch containing ACH Debits only	3	2	4
3	COMPANY NAME	Mandatory	Alphanumeric Your organization name. Under NACHA rules, this field identifies the source of the transaction to the receiver, generally must contain the name by which the originator (your organization) is known to and readily recognized by the receiver	16	5	20
4	COMPANY DISCRETIONARY DATA	Optional	Alphanumeric For your company’s internal use, if desired. No specific format is required	20	21	40
5	COMPANY IDENTIFICATION	Mandatory	Alphanumeric Enter the Company ID as agreed between GS Bank and yourself	10	41	50
6	STANDARD ENTRY CLASS CODE¹	Mandatory	Alphanumeric Enter one of the following supported codes: * For ACH Credits: CCD, CTX, PPD * For ACH Debits: CCD, CTX, PPD, WEB, TEL	3	51	53
7	COMPANY ENTRY DESCRIPTION	Mandatory	Alphanumeric. Description of the purpose of the Entries in the batch that will be passed on to the receiver, e.g. PAYROLL, BILL PMT, etc.	10	54	63
8	COMPANY DESCRIPTIVE DATE	Optional	Alphanumeric Optional reference date that is passed on to the receiver for descriptive purposes, e.g. JAN 20, 011520. Note:- this date is not used for settlement or posting purposes.	6	64	69
9	EFFECTIVE ENTRY DATE	Mandatory	YYMMDD, Banking day on which settlement is to take place. Must be a valid date same as or up to 30 days in future from the date the file is received	6	70	75
10	SETTLEMENT DATE (JULIAN)	N/A	Reserved. Fill with spaces	3	76	78
11	ORIGINATOR STATUS CODE	Mandatory	Always ‘1’	1	79	79
12	ORIGINATING DFI IDENTIFICATION	Mandatory	Always ‘02601507’ (first 8 digits of GS Bank’s routing number)	8	80	87
13	BATCH NUMBER	Mandatory	Numeric. Start with ‘0000001’ and increment by 1 for each subsequent batch in the file	7	88	94

¹ See section on Standard Entry Class codes for a further description of supported codes

Company / Batch Header Record – Example 5220ALPHA COMPANY 1234567890PPDPAYROLL JUN 20200701 1026015070000001

Company / Batch Header Record – type 5 – for IAT entries

Field	Field Name	Requirement	Contents/Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘5’	1	1	1
2	SERVICE CLASS CODE	Mandatory	Identifies the type of entries in the batch. Enter one of the following codes: * ‘200’ – Batch containing ACH Credits and Debits * ‘220’ – Batch containing ACH Credits only * ‘225’ – Batch containing ACH Debits only	3	2	4
3	IAT Indicator	Optional	Alphanumeric To be left blank	16	5	20
4	Foreign Exchange Indicator		Alphanumeric Enter one of the following values This field contains a code used to indicate the foreign exchange conversion methodology applied to an IAT entry * “FV” (Fixed-to-Variable). Entry originated in a fixed-value amount and is to be received in a variable amount resulting from the execution of the foreign exchange conversion. * “VF” (Variable-to-Fixed). Entry originated in a variable-value amount based on a specific foreign exchange rate for conversion to a fixed-value amount in which the Entry is to be received.“FF” (Fixed-to-Fixed). Entry originated in a fixed-value amount and is to be received in the same fixed-value 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 Field will be space filled.	22	21	22
5	FOREIGN EXCHANGE REFERENCE INDICATOR	Conditional	Populated if there was a foreign exchange conversion as indicated by the Foreign Exchange Indicator field (“FV” or “FF”), and indicates the content that follows in the Foreign Exchange Reference field. Possible values for this field are – * "1" - Foreign Exchange rate * "2" - Foreign Exchange Reference Number * "3" - Space Filled	1	23	23
6	FOREIGN EXCHANGE REFERENCE	Conditional	Alphanumeric Additional information relating to the foreign exchange conversion. Populate FX rate or an FX reference number as indicated by the previous field. If the Foreign Exchange Indicator contains ‘FF’, this field will always be spaced filled.	15	24	38
7	ISO DESTINATION COUNTRY CODE	Mandatory	Alphanumeric. This field is currently not used by GS Bank. Fill with spaces.	2	39	40
8	ORIGINATOR IDENTIFICATION	Mandatory	Alphanumeric Enter the Company ID as agreed between GS Bank and yourself.	10	41	50
9	STANDARD ENTRY CLASS CODE	Mandatory	Alphanumeric. Always “IAT” for International ACH transactions	3	51	53
10	COMPANY ENTRY DESCRIPTION	Mandatory	Alphanumeric. Description of the purpose of the Entries in the batch that will be passed on to the receiver, e.g. PAYROLL, BILL PMT, etc.	10	54	63
11	ISO ORIGINATING CURRENCY CODE	Mandatory	Alphanumeric.3-character ISO currency code for the currency in which the Entry was first originated.	3	67	69
12	ISO DESTINATION CURRENCY CODE	Mandatory	Alphanumeric.3-character ISO currency code for the currency in which the Entry is to be received.	3	67	69
13	EFFECTIVE ENTRY DATE	Mandatory	YYMMDD.Banking day on which settlement is to take place. Must be a valid date same as or up to 30 days in future from the date the file is received.	6	70	75
14	SETTLEMENT DATE(JULIAN)	N/A	Reserved. Fill with spaces.	3	76	78
15	ORIGINATOR STATUS CODE	Mandatory	Always "1".	1	79	79
16	GATEWAY / ORIGINATING DFI IDENTIFICATION	Mandatory	Always ‘02601507’ (first 8 digits of GS Bank’s routing number).	8	80	87
17	BATCH NUMBER	Mandatory	Numeric. Start with ‘0000001’ and increment by 1 for each subsequent batch in the file..	7	88	94

¹ See section on Standard Entry Class codes for a further description of supported codes

Company / Batch Header Record – Example 5220VF2FXREF-123456 US 1234567890IATREMITTANCEGBPUSD200701PPD1026015070000001

Entry Detail Record – type 6 – for CCD, PPD, WEB and TEL entries

The Entry Detail record provides information as relates to the Receiver of the transaction, specifically the account number and RDFI routing identifier and the amount. The field layout is largely consistent, but may vary for certain SEC codes. The below applies to CCD, PPD, WEB and TEL entries. Record structure for CTX and IAT entries is outlined in the next sections.

Field	Field Name	Requirement	Contents/Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘6’	1	1	1
2	TRANSACTION CODE	Mandatory	Numeric. Enter one of the following values: For Credits: * 22 – Checking account * 32 – Savings account * 23 – Checking account prenotification (zero-dollar) * 24 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 33 – Savings account prenotification (zero-dollar) * 34 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Debits: * 27 – Checking account credit * 37 – Savings account credit * 28 – Checking account prenotification (zero-dollar) * 29 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 38 – Savings account prenotification (zero-dollar) * 39 Zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Loan Credits: * 52 Loan Account * 53 Prenotification of Loan Account Credit (zero-dollar) * 54 Zero dollar with remittance data (for CCD and CTX Entries only) For Loan Debits: * 55 Loan Account Debit (Reversals Only)	2	2	3
3	RECEIVING DFI IDENTIFICATION	Mandatory	First 8 digits of the receiving depository financial institution (RDFI) routing number	8	4	11
4	CHECK DIGIT	Mandatory	Last digit of the receiving depository financial institution (RDFI) routing number	1	12	12
5	RECEIVER’S ACCOUNT NUMBER AT RDFI	Mandatory	Alphanumeric Receiver’s account number at the RDFI to be credited or debited	17	13	29
6	AMOUNT	Mandatory	Dollar and Cent Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056	10	30	39
7	(INDIVIDUAL) IDENTIFICATION NUMBER	Optional	Alphanumeric Additional identifying reference for the receiver. Do not use Social Security Number (SSN)	15	40	54
8	INDIVIDUAL / RECEIVING COMPANY NAME	Mandatory	Alphanumeric Receiver name (individual or business / company name)	22	55	76
9	DISCRETIONARY DATA (CCD, PPD) / PAYMENT TYPE CODE (WEB, TEL)	Conditional	Alphanumeric. For WEB and TEL entries, this field may contain: * ‘R’ – for a recurring entry * ‘S’ – for a single entry * ‘ST’ – for standing instruction entry For CCD and PPD, this field is not used by GS Bank. Fill with spaces	2	77	78
10	ADDENDA RECORD INDICATOR	Mandatory	Numeric. Enter one of the following values: 0 – no addenda record for this Entry 1 – one or more addenda records follow this Entry	1	79	79
11	TRACE NUMBER	Mandatory	Numeric. Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch	15	80	94

Entry Detail Record – Example

632111122223123456789 0000023062AB156325 JACK SMITH 0026015070000001

Entry Detail Record – type 6 – for CTX entries

Field	Field Name	Requirement	Contents/Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘6’	1	1	1
2	TRANSACTION CODE	Mandatory	Numeric. Enter one of the following values: For Credits: * 22 – Checking account * 32 – Savings account * 23 – Checking account prenotification (zero-dollar) * 33 – Savings account prenotification (zero-dollar) * 24 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 34 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Debits: * 27 – Checking account * 37 – Savings account * 28 – Checking account prenotification (zero-dollar) * 29 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 38 – Savings account prenotification (zero-dollar) * 39 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Loan Credits: 52 Loan Account 53 Prenotification of Loan Account Credit (zero-dollar) 54 Zero dollar with remittance data (for CCD and CTX Entries only) For Loan Debits: 55 Loan Account Debit (Reversals Only)	2	2	3
3	RECEIVING DFI IDENTIFICATION	Mandatory	First 8 digits of the receiving depository financial institution (RDFI) routing number	8	4	11
4	CHECK DIGIT	Mandatory	Last digit of the receiving depository financial institution (RDFI) routing number	1	12	12
5	RECEIVER’S ACCOUNT NUMBER AT RDFI	Mandatory	Alphanumeric Receiver’s account number at the RDFI to be credited or debited	17	13	29
6	AMOUNT	Mandatory	Dollar and Cents Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056	10	30	39
7	IDENTIFICATION NUMBER	Optional	Alphanumeric Additional identifying information for the Receiver or Originator.	15	40	54
8	NUMBER OF ADDENDA RECORDS	Mandatory	Numeric.	4	55	58
9	RECEIVING COMPANY NAME / ID NUMBER	Mandatory	Alphanumeric. Receiver name.	16	59	74
10	RESERVED	N/A	Fill with spaces.	2	75	76
11	DISCRETIONARY DATA	Optional	Alphanumeric This field is currently not used by GS Bank. Fill with spaces.	2	77	78
12	ADDENDA RECORD INDICATOR	Mandatory	Numeric. Enter one of the following values: 0 – no addenda record for this Entry 1 – one or more addenda records follow this Entry	1	79	79
13	TRACE NUMBER	Mandatory	Numeric. Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch.	15	80	94

Entry Detail Record – type 6 - for IAT entries

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘6’	1	1	1
2	TRANSACTION CODE	Mandatory	Numeric. Enter one of the following values: For Credits: * 22 – Checking account credit * 32 – Savings account credit * 23 – Checking account prenotification (zero-dollar) * 33 – Savings account prenotification (zero-dollar) For Debits: * 27 – Checking account credit * 37 – Savings account credit * 28 – Checking account prenotification (zero-dollar) * 38 – Savings account prenotification (zero-dollar) * 39 – Savings account zero dollar with remittance data (for CCD,CTX and IAT entries only)	2	2	3
3	GATEWAY / RECEIVING DFI IDENTIFICATION	Mandatory	First 8 digits of the routing number of the US receiving depository financial institution (RDFI) or the US Gateway Operator (in case of outbound IAT entries)	8	4	11
4	CHECK DIGIT	Mandatory	Last digit of the receiving depository financial institution (RDFI) routing number	1	12	12
5	NUMBER OF ADDENDA	Mandatory	Numeric. Total number of addenda records accompanying this entry. Note IAT entries must have a minimum of 7 mandatory addenda records and a maximum of 12	4	13	16
6	RESERVED	N/A	Leave blank	13	17	29
7	AMOUNT	Mandatory	$$$$$$$$¢¢ Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056	10	30	39
8	RECEIVER’S ACCOUNT NUMBER	Mandatory	Alphanumeric Receiver’s account number at the RDFI to be credited or debited. For outbound IAT entries, this should be the foreign Receiver’s account number	35	40	74
9	RESERVED	N/A	Leave blank	2	75	76
10	GATEWAY OPERATOR OFAC SCREENING INDICATOR	Optional	Leave blank. For use by a Gateway Operator screen for OFAC compliance	1	77	77
11	SECONDARY OFAC SCREENING INDICATOR	Optional	Indicates the results of a Third-Party Service Provider screen for OFAC compliance, if applicable. This field must be space filled if no screening has been conducted. “0” – indicates that the Third-Party Service Provider has not found a potential blocked party, as identified by OFAC on its list of Specially Designated Nationals (“SDN list”). “1” – indicates the potential presence of a blocked party.	1	78	78
12	ADDENDA RECORD INDICATOR	Mandatory	Numeric. IAT entries must always have this as “1”	1	79	79
13	TRACE NUMBER	Mandatory	Numeric. Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch	15	80	94

Entry Detail Record – Example
632111122223000856789 00000230621234567890 1026015070000001

Addenda Record – type 7 -for all except IAT and TEL

Addenda record(s)may be optionally used to provide additional information relating to the Entry to the Receiver. The presence of an Addenda record(s) is indicated and validated against the Addenda record indicator in the Entry Detail record, and the Number of Addenda Records value (for CTX entries). IAT entries carry a special set of Addenda records that are described in the next section. Addenda records are not allowed on TEL entries.

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘05’	2	2	3
3	PAYMENT RELATED INFORMATION	Optional	Alphanumeric Additional information related to payment for the receiver	80	4	83
4	ADDENDA SEQUENCE NUMBER	Mandatory	Numeric Sequence number starting with 0001	4	84	87
5	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record	7	88	94

Addenda Record – type 7 - IAT Entries

Every IAT Entry record must be followed by 7 mandatory Addenda records and up to 5 additional optional Addenda records – in all a maximum of 12 Addenda records. The Addenda record structure for IAT entries is summarized below:

Addenda Type Codes ‘10’ through ‘16’ --> Mandatory, 7 IAT addenda records
Addenda Type Code ‘17’ --> Optional, up to a maximum of 2^(*) IAT Remittance Information addenda records
Addenda Type Code ‘18’ --> Optional, up to a maximum of 5^(*) IAT Foreign Correspondent Bank addenda records

^(*) The optional addenda records of type ‘17’and ‘18’ cannot in total exceed 5 addenda records

Record layout of each of the IAT Addenda Types is as provided below:

1st IAT Addenda Record

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘10’	2	2	3
3	TRANSACTION TYPE CODE	Mandatory	Alphanumeric Refer List of IAT Transaction Type Codes	3	4	6
4	FOREIGN PAYMENT AMOUNT	Mandatory	$$$$$$$$$$$$$$$$¢ * For Inbound IAT Entries, this field contains the amount for which the Entry was originated by the Foreign ODFI in the currency indicated by the Originating Currency Code (Company/Batch Header Record). * For Outbound IAT Entries, this field is populated based on the value in the Foreign Exchange Indicator as follows: - “FV” (fixed-to-variable), this field is zero-filled. - “VF” (variable-to-fixed) or “FF” (fixed-to-fixed), the amount for which the Entry is to be received by the foreign Receiver in the currency indicated by the ISO Destination Currency Code (Company/Batch Header Record).	18	7	24
5	FOREIGN TRACE NUMBER	Optional	Alphanumeric Applicable for inbound IAT entries. May include a trace number as assigned to the entry in the originating payments system.	22	25	46
6	RECEIVING COMPANY NAME / INDIVIDUAL NAME	Mandatory	Alphanumeric Name identifying the Receiver of the transaction.	35	47	81
7	RESERVED	N/A	Leave blank	6	82	87
8	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record	7	88	94

2nd IAT Addenda Record

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘11’	2	2	3
3	ORIGINATOR NAME	Mandatory	Alphanumeric Name of the Originator of the transaction	35	4	38
4	ORIGINATOR STREET ADDRESS	Mandatory	Alphanumeric Physical street address of the Originator of the transaction	35	39	73
5	RESERVED	N/A	Leave blank	14	74	87
6	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record	7	88	94

3rd IAT Addenda Record

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘12’	2	2	3
3	ORIGINATOR CITY & STATE/PROVINCE	Mandatory	Alphanumeric City and, if applicable, the state or province of the Originator. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde "~” must be used as the terminator following the last data element, e.g. SAN FRANCISCO*CA\	35	4	38
4	ORIGINATOR COUNTRY & POSTAL CODE	Mandatory	Alphanumeric ISO Country Code (2-char) followed by the postal code of the Originator. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element, e.g. US*10282\	35	39	73
5	RESERVED	N/A	Leave blank	14	74	87
6	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record.	7	88	94

4th IAT Addenda Record

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘13’ The fields in this addenda record must identify the foreign financial institution initiating or funding the payment transaction (for inbound or outbound IAT entries) if any, or the U.S. ODFI (for outbound IAT entries).	2	2	3
3	ORIGINATING DFI NAME	Mandatory	Alphanumeric.	35	4	38
4	ORIGINATING DFI IDENTIFICATION NUMBER QUALIFIER	Mandatory	Enter a 2-digit code as below: * 01 – National Clearing System Number (e.g. US ABA) * 02 – SWIFT BIC * 03 – IBAN 2 39 40
5	ORIGINATING DFI IDENTIFICATION	Mandatory	Alphanumeric. Identifier for the financial institution as per the numbering scheme indicated above.	34	41	74
6	ORIGINATING DFI BRANCH COUNTRY CODE	Mandatory	Alphanumeric. ISO 2-char Country Code of the institution identified in this record.	3	75	77
7	RESERVED	N/A	Leave blank	10	78	87
8	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record	7	88	94

5th IAT Addenda Record

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘14’ The fields in this addenda record identify the Receiving DFI at which the Receiver maintains their account.	2	2	3
3	RECEIVING DFI NAME	Mandatory	Alphanumeric.	35	4	38
4	RECEIVING DFI IDENTIFICATION NUMBER QUALIFIER	Mandatory	Enter a 2-digit code as below: * 01 – National Clearing System Number (e.g. US ABA) * 02 – SWIFT BIC * 03 – IBAN	2	39	40
5	RECEIVING DFI IDENTIFICATION	Mandatory	Alphanumeric Identifier for the financial institution as per the numbering scheme indicated above.	34	41	74
5	RECEIVING DFI BRANCH COUNTRY CODE	Mandatory	Alphanumeric ISO 2-char Country Code of the institution identified in this record.	3	75	77
6	RESERVED	N/A	Leave blank	10	78	87
7	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record	7	88	94

6th IAT Addenda Record

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘15’	2	2	3
3	RECEIVER IDENTIFICATION NUMBER	Optional	Alphanumeric May be used by the Originator to insert its own number for tracing purposes.	15	4	18
4	RECEIVER STREET ADDRESS	Mandatory	Alphanumeric Physical street address of the Receiver of the transaction.	35	19	53
5	RESERVED	N/A	Leave blank	34	54	87
6	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record.	7	88	94

7th IAT Addenda Record

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘16’	2	2	3
3	RECEIVER CITY & STATE/PROVINCE	Mandatory	Alphanumeric City and, if applicable, the state or province of the Receiver. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element, e.g. SAN FRANCISCO*CA\| 35	4	38
4	RECEIVER COUNTRY & POSTAL CODE	Mandatory	Alphanumeric ISO Country Code (2-char) followed by the postal code of the Receiver. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element, e.g. US*10282\	35	39	73
5	RESERVED	N/A	Leave blank	14	74	87
6	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record	7	88	94

Remittance Information – IAT Addenda Record

This Addenda Type accommodates the transmission of optional remittance information. A maximum of 2 optional remittance addenda records can accompany an IAT entry, within which a maximum of 160 characters (80 characters per addenda record) of remittance information can be included. These addenda records may also carry information of the ultimate payer or ultimate beneficiary for IAT payments that involve a further “for the credit to /by order of” parties.

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘17’	2	2	3
3	PAYMENT RELATED INFORMATION	Optional	Alphanumeric This field may contain additional information related to payment for the receiver. It may also carry information identifying the ultimate payer/beneficiary, or in the case of IAT entries that contain ARC, BOC, RCK, POP, MTE, POS or SHR in the Transaction Type code, the additional information as required by those entries. The identification of the ultimate foreign beneficiary (of the debit) or ultimate foreign payer (of the credit) takes priority over the inclusion of other payment related information. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element, e.g. JOHN SMITH10 CHERRY LANELONDON105SW2GB\| 80	4	83
4	ADDENDA SEQUENCE NUMBER	Mandatory	Numeric Sequence number starting with 0001	4	84	87
5	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record	7	88	94

Foreign Correspondent Bank – IAT Addenda Record

A separate addenda record must be added to the payment for each Foreign Correspondent Bank that is involved with the transmission or exchange of an IAT entry, providing parties to the transaction with additional information needed to identify and react to unlawful transactions. A maximum of five Foreign Correspondent Bank addenda records may accompany an IAT entry.

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘7’	1	1	1
2	ADDENDA TYPE CODE	Mandatory	Always ‘18’	2	2	3
3	FOREIGN CORR. BANK NAME	Mandatory	Alphanumeric.	35	4	38
4	FOREIGN CORR. BANK IDENTIFICATION NUMBER QUALIFIER	Mandatory	Enter a 2-digit code as below – * 01 – National Clearing System Number (e.g. US ABA) * 02 – SWIFT BIC * 03 – IBAN	2	39	40
5	FOREIGN CORR. BANK IDENTIFICATION	Mandatory	Alphanumeric. Identifier for the financial institution as per the numbering scheme indicated above.	34	41	74
6	FOREIGN CORR. BANK BRANCH COUNTRY CODE	Mandatory	Alphanumeric. ISO 2-char Country Code of the institution identified in this record.	3	75	77
7	RESERVED	N/A	Leave blank	10	78	87
8	ENTRY DETAIL SEQUENCE NUMBER	Mandatory	Numeric Last 7 digits of the Trace Number of the related Entry Detail record.	7	88	94

List of Transaction Type Codes (IAT Entries)

The Transaction Type Code is a required, three-character field in the 1st IAT Addenda record. This field contains a code as per the following lists, used to identify –

In the case of Outbound IAT entries, a Reason for Payment from one of the codes in the below list.
In the case of Inbound IAT entries,

a secondary SEC code for certain inbound IAT entries to indicate the use of an underlying ACH application by an entity outside the territorial jurisdiction of the United States, or where that is not required

a Reason for Payment. The requirement to include a secondary SEC Code takes priority over the reason for the payment.

Reasons for Payment

ANN – Annuity
BUS – Business/Commercial
DEP – Deposit
LOA – Loan
MIS – Miscellaneous
MOR –Mortgage
PEN – Pension
REM – Remittance
RLS – Rent/Lease
SAL – Salary/Payroll
TAX – Tax

Secondary SEC Codes
For inbound IAT entries, the Transaction Type Code field is used to identify ACH transactions that were originated using other ACH applications by parties outside the territorial jurisdiction of the United States. Only the following SEC Codes are defined for use as secondary SEC Codes in the IAT.

ARC – Accounts Receivable Entry
BOC – Back Office Conversion Entry
MTE – Machine Transfer Entry
POP – Point of Purchase Entry
POS – Point of Sale Entry
RCK – Re-presented Check Entry
SHR – Shared Network Transaction
TEL – Telephone-Initiated Entry
WEB – Internet-Initiated Entry

Some of these secondary SEC codes require the provision of additional information. In such cases, an asterisk should be used as the delimiter between data elements, and the backslash () or tilde (~) will be the terminator between the data segments.

ARC, BOC, or RCK entries must provide the check serial number

CHECK SERIAL NUMBER\ or ~ Example: 3349809002\ or ~

POP entries must provide the check serial number, terminal city, and terminal state/ foreign country

CHECK SERIAL NUMBER (MAXIMUM OF 9 CHARACTERS)*TERMINAL CITY (MAXIMUM OF 4 CHARACTERS)*TERMINAL

STATE/FOREIGN COUNTRY (2 CHARACTERS)\ or ~ Example: 123456789PARIFR\ or ~

MTE, POS, or SHR entries must provide the terminal identification code, terminal location, terminal city, and terminal state/foreign country

TERMINAL IDENTIFICATION CODE (MAXIMUM OF 6 CHARACTERS)*TERMINAL LOCATION (MAXIMUM OF 27

CHARACTERS)TERMINAL CITY (MAXIMUM OF 15 CHARACTERS)TERMINAL STATE/FOREIGN COUNTRY (2 CHARACTERS)\ or ~ Examples: 201209321 EAST MAIN STREETANYTOWN*GA\ or ~

36440212TH & TOLL STREETLONDON*UK\ or ~

Company / Batch Control Record – type 8

The Company/Batch Control Record contains the counts, hash totals, and total dollar controls for the preceding Entries within the batch. All Entry Detail Records are hashed. Both Entry Detail Records and Addenda Records are included in the Entry/addenda counts; Batch Header and Batch Control Records are not included.

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘8’	1	1	1
2	SERVICE CLASS CODE	Mandatory	Numeric. Should be the same as the Service Class Code of the associated Company / Batch Header record.	3	2	4
3	ENTRY/ ADDENDA COUNT	Mandatory	Numeric. Total number of entry and addenda records in the batch.	6	5	10
4	ENTRY HASH	Mandatory	Numeric. Sum of the 8-digit RDFI routing numbers in the Entry Detail records in the batch. Use the right-most 10 digits if the sum exceeds 10 digits, and fill with leading 0’s if less than 10 digits.	10	11	20
5	TOTAL DEBIT ENTRY DOLLAR AMOUNT	Mandatory	Dollar and Cent Sum of Entry Detail debit totals within the batch.	12	21	32
6	TOTAL CREDIT ENTRY DOLLAR AMOUNT	Mandatory	dollar and Cent Sum of Entry Detail credit totals within the batch.	12	33	44
7	COMPANY IDENTIFICATION	Mandatory	Alphanumeric. Should be the same as the Company ID of the associated Company / Batch Header record.	10	45	54
8	MESSAGE AUTHENTICATION CODE	N/A	Alphanumeric. Not used. Fill with spaces.	19	55	73
9	RESERVED	N/A	Fill with spaces	6	74	79
10	ORIGINATING DFI IDENTIFICATION	Mandatory	Always ‘02601507’ (first 8 digits of GS Bank’s routing number)	8	80	87
11	BATCH NUMBER	Mandatory	Numeric. Should be the same as the Batch Number of the associated Company / Batch Header record.	7	88	94

Company / Batch Control Record – Example 822000000300333366660000000000000000003000001234567890 026015070000001

File Control Record – type 9

The File Control Record contains control totals for the entries, batches and blocks in the file.

Field	Field Name	Requirement	Contents / Type	Length	Start Position	End Position
1	RECORD TYPE CODE	Mandatory	Always ‘9’	1	1	1
2	BATCH COUNT	Mandatory	Numeric. Number of batches in the file.	6	2	7
3	BLOCK COUNT	Mandatory	Numeric. Total number of blocks in the file. Block = 10 records (including all Header and Control records and Blocking control records).	6	8	13
4	ENTRY/ADDENDA COUNT	Mandatory	Numeric. Total number of Entry Detail and Addenda records in the file.	8	14	21
5	ENTRY HASH	Mandatory	Numeric. Sum of all Entry Hash fields in each Company/Batch Control record contained within the file. Use the right-most 10 digits if the sum exceeds 10 digits, and fill with leading 0’s if less than 10 digits.	10	22	31
6	TOTAL DEBIT ENTRY DOLLAR AMOUNT IN FILE	Mandatory	Dollar and Cents Sum of Entry Detail debit totals within the file.	12	32	43
7	TOTAL CREDIT ENTRY DOLLAR AMOUNT IN FILE	Mandatory	Dollar and Cents Sum of Entry Detail credit totals within the file.	12	44	55
8	RESERVED	N/A	Always filled with spaces	39	56	94

File Control Record – Example
9000003000002000000100077785554000000000000000000700000

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File Header Record – type 1 - all entries
Company / Batch Header Record – type 5 – for CCD, CTX, PPD, WEB and TEL entries
Company / Batch Header Record – type 5 – for IAT entries
Entry Detail Record – type 6 – for CCD, PPD, WEB and TEL entries
Entry Detail Record – type 6 – for CTX entries
Entry Detail Record – type 6 - for IAT entries
Addenda Record – type 7 -for all except IAT and TEL
Addenda Record – type 7 - IAT Entries
1st IAT Addenda Record
2nd IAT Addenda Record
3rd IAT Addenda Record
4th IAT Addenda Record
5th IAT Addenda Record
6th IAT Addenda Record
7th IAT Addenda Record
Remittance Information – IAT Addenda Record
Foreign Correspondent Bank – IAT Addenda Record
List of Transaction Type Codes (IAT Entries)
Company / Batch Control Record – type 8
File Control Record – type 9

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